Side-by-side · Q2 2026 data
Santa Ana Federal Credit Union vs United Local Credit Union
Credit union
Santa Ana Federal Credit Union
Santa Ana, California · $100 million – $1 billion
Metric by metric
| Measure | Santa Ana Federal Credit Union | United Local Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 79 |
| Capital cushion | 85 | 100 (stronger) |
| Loan quality | 98 (stronger) | 93 |
| Earnings | 81 (stronger) | 18 |
| Funding & liquidity | 90 (stronger) | 80 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 95th | 76th |
| Total assets | $111.6M | $119.3M |
| Deposits / shares | $95.7M | $94.6M |
| Capital ratio | 13.47% | 20.14% (stronger) |
| Problem loans | 0.06% (stronger) | 0.20% |
| Net charge-offs | -0.01% (stronger) | 0.58% |
| Return on assets | 1.52% (stronger) | -0.05% |
| Loans ÷ deposits | 70.6% (stronger) | 80.7% |
| Uninsured deposits | 4.3% (stronger) | 9.8% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.7% |
Santa Ana Federal Credit Union has the higher TellerScore (90 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Santa Ana Federal Credit Union leads on 6 and United Local Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.