Side-by-side · Q2 2026 data
Postal Family Federal Credit Union vs University Federal Credit Union
Credit union
Postal Family Federal Credit Union
Fargo, North Dakota · Under $100 million in assets
Credit union
University Federal Credit Union
Grand Forks, North Dakota · Under $100 million in assets
Metric by metric
| Measure | Postal Family Federal Credit Union | University Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 91 (stronger) |
| Capital cushion | 55 | 94 (stronger) |
| Loan quality | 94 (stronger) | 76 |
| Earnings | 47 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 94 |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 49th | 90th |
| Total assets | $30.2M | $46.1M |
| Deposits / shares | $27.1M | $39.3M |
| Capital ratio | 10.52% | 14.44% (stronger) |
| Problem loans | 0.19% (stronger) | 0.72% |
| Net charge-offs | 0.42% | 0.38% (stronger) |
| Return on assets | 0.69% | 2.14% (stronger) |
| Loans ÷ deposits | 31.6% (stronger) | 66.0% |
| Uninsured deposits | 3.0% (stronger) | 5.8% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
University Federal Credit Union has the higher TellerScore (91 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Postal Family Federal Credit Union leads on 3 and University Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.