Side-by-side · Q2 2026 data
U-1st Community Federal Credit Union vs Financial Security Credit Union
Credit union
U-1st Community Federal Credit Union
Carlsbad, New Mexico · Under $100 million in assets
Credit union
Financial Security Credit Union
Carlsbad, New Mexico · Under $100 million in assets
Metric by metric
| Measure | U-1st Community Federal Credit Union | Financial Security Credit Union |
|---|---|---|
| TellerScore | 74 | 81 (stronger) |
| Capital cushion | 94 | 100 (stronger) |
| Loan quality | 92 (stronger) | 77 |
| Earnings | 0 | 58 (stronger) |
| Funding & liquidity | 85 (stronger) | 71 |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 49th | 68th |
| Total assets | $9.3M | $63.6M |
| Deposits / shares | $8.0M | $52.8M |
| Capital ratio | 14.38% | 16.62% (stronger) |
| Problem loans | 0.24% (stronger) | 0.69% |
| Net charge-offs | -0.02% (stronger) | -0.01% |
| Return on assets | -1.47% | 0.96% (stronger) |
| Loans ÷ deposits | 74.9% (stronger) | 88.9% |
| Uninsured deposits | 1.2% (stronger) | 6.4% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Financial Security Credit Union has the higher TellerScore (81 vs 74). On the 7 directional measures above (where higher or lower is clearly better), U-1st Community Federal Credit Union leads on 4 and Financial Security Credit Union on 3. 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.