Side-by-side · Q2 2026 data
U-1st Community Federal Credit Union vs Rincones Presbyterian Credit Union
Credit union
U-1st Community Federal Credit Union
Carlsbad, New Mexico · Under $100 million in assets
Credit union
Rincones Presbyterian Credit Union
Chacon, New Mexico · Under $100 million in assets
Metric by metric
| Measure | U-1st Community Federal Credit Union | Rincones Presbyterian Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 64 |
| Capital cushion | 94 (stronger) | 53 |
| Loan quality | 92 (stronger) | 48 |
| Earnings | 0 | 90 (stronger) |
| Funding & liquidity | 85 (stronger) | 71 |
| Problem-loan coverage | 98 (stronger) | 79 |
| Peer percentile | 49th | 28th |
| Total assets | $9.3M | $6.5M |
| Deposits / shares | $8.0M | $5.8M |
| Capital ratio | 14.38% (stronger) | 10.33% |
| Problem loans | 0.24% (stronger) | 1.55% |
| Net charge-offs | -0.02% | -0.03% (stronger) |
| Return on assets | -1.47% | 1.76% (stronger) |
| Loans ÷ deposits | 74.9% (stronger) | 89.5% |
| Uninsured deposits | 1.2% (stronger) | 7.3% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
U-1st Community Federal Credit Union has the higher TellerScore (74 vs 64). On the 7 directional measures above (where higher or lower is clearly better), U-1st Community Federal Credit Union leads on 5 and Rincones Presbyterian Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.