Side-by-side · Q2 2026 data
U-1st Community Federal Credit Union vs Quay Schools Federal Credit Union
Credit union
U-1st Community Federal Credit Union
Carlsbad, New Mexico · Under $100 million in assets
Credit union
Quay Schools Federal Credit Union
Tucumcari, New Mexico · Under $100 million in assets
Metric by metric
| Measure | U-1st Community Federal Credit Union | Quay Schools Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 83 (stronger) |
| Capital cushion | 94 | 100 (stronger) |
| Loan quality | 92 | 99 (stronger) |
| Earnings | 0 | 37 (stronger) |
| Funding & liquidity | 85 (stronger) | 73 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 49th | 72nd |
| Total assets | $9.3M | $8.6M |
| Deposits / shares | $8.0M | $6.9M |
| Capital ratio | 14.38% | 19.40% (stronger) |
| Problem loans | 0.24% | 0.03% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.02% |
| Return on assets | -1.47% | 0.42% (stronger) |
| Loans ÷ deposits | 74.9% (stronger) | 87.2% |
| Uninsured deposits | 1.2% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Quay Schools Federal Credit Union has the higher TellerScore (83 vs 74). On the 7 directional measures above (where higher or lower is clearly better), U-1st Community Federal Credit Union leads on 2 and Quay Schools Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.