Side-by-side · Q2 2026 data
Sierra Pacific Federal Credit Union vs United Federal Credit Union
Metric by metric
| Measure | Sierra Pacific Federal Credit Union | United Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 75 |
| Capital cushion | 86 (stronger) | 69 |
| Loan quality | 81 (stronger) | 76 |
| Earnings | 61 | 80 (stronger) |
| Funding & liquidity | 100 (stronger) | 68 |
| Problem-loan coverage | 95 (stronger) | 90 |
| Peer percentile | 83rd | 75th |
| Total assets | $189.4M | $4.4B |
| Deposits / shares | $163.4M | $3.7B |
| Capital ratio | 13.57% (stronger) | 11.94% |
| Problem loans | 0.57% (stronger) | 0.71% |
| Net charge-offs | 0.33% (stronger) | 0.61% |
| Return on assets | 1.03% | 1.50% (stronger) |
| Loans ÷ deposits | 57.3% (stronger) | 88.4% |
| Uninsured deposits | 6.0% (stronger) | 18.0% |
| Offices | 4 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sierra Pacific Federal Credit Union has the higher TellerScore (83 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Sierra Pacific Federal Credit Union leads on 6 and United Federal Credit Union on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.