Side-by-side · Q2 2026 data
Plains Federal Credit Union vs Union Pacific Employees Credit Union
Credit union
Union Pacific Employees Credit Union
Beaumont, Texas · Under $100 million in assets
Metric by metric
| Measure | Plains Federal Credit Union | Union Pacific Employees Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 59 |
| Capital cushion | 95 | 100 (stronger) |
| Loan quality | 97 (stronger) | 33 |
| Earnings | 22 (stronger) | 2 |
| Funding & liquidity | 85 (stronger) | 74 |
| Problem-loan coverage | 99 (stronger) | 89 |
| Peer percentile | 65th | 20th |
| Total assets | $4.0M | $3.8M |
| Deposits / shares | $3.4M | $2.9M |
| Capital ratio | 14.50% | 23.66% (stronger) |
| Problem loans | 0.09% (stronger) | 2.02% |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 0.05% (stronger) | -0.44% |
| Loans ÷ deposits | 75.3% (stronger) | 86.6% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Plains Federal Credit Union has the higher TellerScore (80 vs 59). On the 6 directional measures above (where higher or lower is clearly better), Plains Federal Credit Union leads on 5 and Union Pacific Employees Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.