Side-by-side · Q2 2026 data
Polam Federal Credit Union vs Universal City Studios Credit Union
Credit union
Polam Federal Credit Union
Redwood City, California · Under $100 million in assets
Credit union
Universal City Studios Credit Union
Burbank, California · Under $100 million in assets
Metric by metric
| Measure | Polam Federal Credit Union | Universal City Studios Credit Union |
|---|---|---|
| TellerScore | 43 | 56 (stronger) |
| Capital cushion | 86 (stronger) | 30 |
| Loan quality | 3 | 95 (stronger) |
| Earnings | 0 | 0 |
| Funding & liquidity | 68 | 89 (stronger) |
| Problem-loan coverage | 66 | 97 (stronger) |
| Peer percentile | 4th | 16th |
| Total assets | $72.8M | $71.6M |
| Deposits / shares | $62.5M | $65.8M |
| Capital ratio | 13.63% (stronger) | 7.98% |
| Problem loans | 2.92% | 0.16% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.74% |
| Return on assets | -0.62% (stronger) | -1.59% |
| Loans ÷ deposits | 91.9% | 71.6% (stronger) |
| Uninsured deposits | 12.8% | 5.7% (stronger) |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Universal City Studios Credit Union has the higher TellerScore (56 vs 43). On the 7 directional measures above (where higher or lower is clearly better), Polam Federal Credit Union leads on 3 and Universal City Studios Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.