Side-by-side · Q2 2026 data
Share Advantage Credit Union vs United Employees Credit Union
Credit union
United Employees Credit Union
Albert Lea, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Share Advantage Credit Union | United Employees Credit Union |
|---|---|---|
| TellerScore | 58 | 87 (stronger) |
| Capital cushion | 84 | 92 (stronger) |
| Loan quality | 8 | 73 (stronger) |
| Earnings | 54 | 84 (stronger) |
| Funding & liquidity | 84 | 100 (stronger) |
| Problem-loan coverage | 73 | 95 (stronger) |
| Peer percentile | 19th | 83rd |
| Total assets | $57.5M | $66.4M |
| Deposits / shares | $49.2M | $56.5M |
| Capital ratio | 13.43% | 14.19% (stronger) |
| Problem loans | 2.77% | 0.80% (stronger) |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 0.84% | 1.59% (stronger) |
| Loans ÷ deposits | 76.4% | 50.0% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 2.0% |
| Offices | 2 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Employees Credit Union has the higher TellerScore (87 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Share Advantage Credit Union leads on 1 and United Employees Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.