Side-by-side · Q2 2026 data
Sea Air Federal Credit Union vs United Local Credit Union
Metric by metric
| Measure | Sea Air Federal Credit Union | United Local Credit Union |
|---|---|---|
| TellerScore | 64 | 79 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 38 | 93 (stronger) |
| Earnings | 0 | 18 (stronger) |
| Funding & liquidity | 100 (stronger) | 80 |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 31st | 76th |
| Total assets | $118.8M | $119.3M |
| Deposits / shares | $90.8M | $94.6M |
| Capital ratio | 23.39% (stronger) | 20.14% |
| Problem loans | 1.87% | 0.20% (stronger) |
| Net charge-offs | 0.48% (stronger) | 0.58% |
| Return on assets | -0.69% | -0.05% (stronger) |
| Loans ÷ deposits | 49.6% (stronger) | 80.7% |
| Uninsured deposits | 5.0% (stronger) | 9.8% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.7% |
United Local Credit Union has the higher TellerScore (79 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Sea Air Federal Credit Union leads on 4 and United Local Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.