Side-by-side · Q2 2026 data
Peninsula Federal Credit Union vs United Financial Credit Union
Metric by metric
| Measure | Peninsula Federal Credit Union | United Financial Credit Union |
|---|---|---|
| TellerScore | 58 | 68 (stronger) |
| Capital cushion | 40 | 57 (stronger) |
| Loan quality | 69 (stronger) | 66 |
| Earnings | 49 | 57 (stronger) |
| Funding & liquidity | 69 | 93 (stronger) |
| Problem-loan coverage | 83 | 88 (stronger) |
| Peer percentile | 16th | 45th |
| Total assets | $355.7M | $360.1M |
| Deposits / shares | $321.0M | $325.7M |
| Capital ratio | 9.03% | 10.73% (stronger) |
| Problem loans | 0.94% (stronger) | 1.03% |
| Net charge-offs | 0.63% | 0.42% (stronger) |
| Return on assets | 0.73% | 0.92% (stronger) |
| Loans ÷ deposits | 91.2% | 67.0% (stronger) |
| Uninsured deposits | 7.7% | 2.7% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.8% |
United Financial Credit Union has the higher TellerScore (68 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Peninsula Federal Credit Union leads on 1 and United Financial Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.