Side-by-side · Q2 2026 data
U-1st Community Federal Credit Union vs The Florist Federal Credit Union
Credit union
U-1st Community Federal Credit Union
Carlsbad, New Mexico · Under $100 million in assets
Credit union
The Florist Federal Credit Union
Roswell, New Mexico · Under $100 million in assets
Metric by metric
| Measure | U-1st Community Federal Credit Union | The Florist Federal Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 64 |
| Capital cushion | 94 | 100 (stronger) |
| Loan quality | 92 (stronger) | 37 |
| Earnings | 0 | 4 (stronger) |
| Funding & liquidity | 85 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 88 |
| Peer percentile | 49th | 28th |
| Total assets | $9.3M | $7.1M |
| Deposits / shares | $8.0M | $6.0M |
| Capital ratio | 14.38% | 15.13% (stronger) |
| Problem loans | 0.24% (stronger) | 1.90% |
| Net charge-offs | -0.02% (stronger) | 0.11% |
| Return on assets | -1.47% | -0.41% (stronger) |
| Loans ÷ deposits | 74.9% | 60.6% (stronger) |
| Uninsured deposits | 1.2% (stronger) | 1.7% |
| 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 64). On the 7 directional measures above (where higher or lower is clearly better), U-1st Community Federal Credit Union leads on 4 and The Florist Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.