Side-by-side · Q2 2026 data
Titan Federal Credit Union vs Upstate Milk Employees Federal Credit Union
Credit union
Titan Federal Credit Union
Pleasant Gap, Pennsylvania · Under $100 million in assets
Credit union
Upstate Milk Employees Federal Credit Union
Lancaster, New York · Under $100 million in assets
Metric by metric
| Measure | Titan Federal Credit Union | Upstate Milk Employees Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 57 |
| Capital cushion | 100 (stronger) | 46 |
| Loan quality | 90 (stronger) | 75 |
| Earnings | 82 (stronger) | 0 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 95th | 17th |
| Total assets | $69.5M | $2.5M |
| Deposits / shares | $58.8M | $2.2M |
| Capital ratio | 15.43% (stronger) | 9.62% |
| Problem loans | 0.31% (stronger) | 0.74% |
| Net charge-offs | 0.02% (stronger) | 5.83% |
| Return on assets | 1.56% (stronger) | -1.15% |
| Loans ÷ deposits | 55.8% | 37.6% (stronger) |
| Uninsured deposits | 2.6% (stronger) | 3.6% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.6% | — |
Titan Federal Credit Union has the higher TellerScore (94 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Titan Federal Credit Union leads on 6 and Upstate Milk Employees 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.