Side-by-side · Q2 2026 data
U.P.S. Employees Federal Credit Union vs Huntington Beach Credit Union
Credit union
U.P.S. Employees Federal Credit Union
Ontario, California · Under $100 million in assets
Credit union
Huntington Beach Credit Union
Huntington Beac, California · Under $100 million in assets
Metric by metric
| Measure | U.P.S. Employees Federal Credit Union | Huntington Beach Credit Union |
|---|---|---|
| TellerScore | 61 | 84 (stronger) |
| Capital cushion | 26 | 81 (stronger) |
| Loan quality | 91 (stronger) | 82 |
| Earnings | 40 | 74 (stronger) |
| Funding & liquidity | 85 | 100 (stronger) |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 23rd | 75th |
| Total assets | $51.8M | $56.4M |
| Deposits / shares | $47.5M | $48.8M |
| Capital ratio | 7.55% | 13.05% (stronger) |
| Problem loans | 0.26% (stronger) | 0.54% |
| Net charge-offs | 0.42% | 0.03% (stronger) |
| Return on assets | 0.51% | 1.35% (stronger) |
| Loans ÷ deposits | 75.1% | 35.7% (stronger) |
| Uninsured deposits | 1.7% (stronger) | 9.2% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Huntington Beach Credit Union has the higher TellerScore (84 vs 61). On the 7 directional measures above (where higher or lower is clearly better), U.P.S. Employees Federal Credit Union leads on 2 and Huntington Beach Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.