Side-by-side · Q2 2026 data
U-1st Community Federal Credit Union vs High Desert Community Credit Union
Credit union
U-1st Community Federal Credit Union
Carlsbad, New Mexico · Under $100 million in assets
Credit union
High Desert Community Credit Union
Aztec, New Mexico · Under $100 million in assets
Metric by metric
| Measure | U-1st Community Federal Credit Union | High Desert Community Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 69 |
| Capital cushion | 94 (stronger) | 80 |
| Loan quality | 92 (stronger) | 35 |
| Earnings | 0 | 60 (stronger) |
| Funding & liquidity | 85 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 88 |
| Peer percentile | 49th | 38th |
| Total assets | $9.3M | $18.3M |
| Deposits / shares | $8.0M | $15.9M |
| Capital ratio | 14.38% (stronger) | 12.95% |
| Problem loans | 0.24% (stronger) | 1.95% |
| Net charge-offs | -0.02% (stronger) | 0.12% |
| Return on assets | -1.47% | 1.01% (stronger) |
| Loans ÷ deposits | 74.9% | 44.1% (stronger) |
| Uninsured deposits | 1.2% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
U-1st Community Federal Credit Union has the higher TellerScore (74 vs 69). On the 7 directional measures above (where higher or lower is clearly better), U-1st Community Federal Credit Union leads on 4 and High Desert Community Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.