Side-by-side · Q2 2026 data
The Local Federal Credit Union vs Dallas U.P. Employees Credit Union
Metric by metric
| Measure | The Local Federal Credit Union | Dallas U.P. Employees Credit Union |
|---|---|---|
| TellerScore | 72 | 81 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 81 (stronger) | 49 |
| Earnings | 15 | 88 (stronger) |
| Funding & liquidity | 61 | 78 (stronger) |
| Problem-loan coverage | 93 (stronger) | 92 |
| Peer percentile | 44th | 68th |
| Total assets | $25.8M | $27.2M |
| Deposits / shares | $19.8M | $20.5M |
| Capital ratio | 21.18% | 24.32% (stronger) |
| Problem loans | 0.57% (stronger) | 1.54% |
| Net charge-offs | 0.87% | 0.04% (stronger) |
| Return on assets | -0.12% | 1.69% (stronger) |
| Loans ÷ deposits | 99.2% | 82.2% (stronger) |
| Uninsured deposits | 3.0% | 2.2% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Dallas U.P. Employees Credit Union has the higher TellerScore (81 vs 72). On the 7 directional measures above (where higher or lower is clearly better), The Local Federal Credit Union leads on 1 and Dallas U.P. Employees Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.