Side-by-side · Q2 2026 data
Philadelphia Federal Credit Union vs Utilities Employees Credit Union
Credit union
Philadelphia Federal Credit Union
Philadelphia, Pennsylvania · $1 billion – $10 billion
Metric by metric
| Measure | Philadelphia Federal Credit Union | Utilities Employees Credit Union |
|---|---|---|
| TellerScore | 71 | 77 (stronger) |
| Capital cushion | 75 | 100 (stronger) |
| Loan quality | 67 (stronger) | 58 |
| Earnings | 46 (stronger) | 42 |
| Funding & liquidity | 89 | 97 (stronger) |
| Problem-loan coverage | 89 | 91 (stronger) |
| Peer percentile | 62nd | 82nd |
| Total assets | $2.0B | $1.5B |
| Deposits / shares | $1.8B | $1.3B |
| Capital ratio | 12.51% | 15.73% (stronger) |
| Problem loans | 0.99% (stronger) | 1.26% |
| Net charge-offs | 0.56% | 0.18% (stronger) |
| Return on assets | 0.64% (stronger) | 0.54% |
| Loans ÷ deposits | 71.7% | 63.5% (stronger) |
| Uninsured deposits | 8.2% | 5.8% (stronger) |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 39.3% | 20.2% |
Utilities Employees Credit Union has the higher TellerScore (77 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Philadelphia Federal Credit Union leads on 2 and Utilities Employees Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.