Side-by-side · Q2 2026 data
U.P.S. Employees Federal Credit Union vs Silverado Credit Union
Credit union
U.P.S. Employees Federal Credit Union
Ontario, California · Under $100 million in assets
Metric by metric
| Measure | U.P.S. Employees Federal Credit Union | Silverado Credit Union |
|---|---|---|
| TellerScore | 61 (stronger) | 58 |
| Capital cushion | 26 | 67 (stronger) |
| Loan quality | 91 (stronger) | 63 |
| Earnings | 40 (stronger) | 16 |
| Funding & liquidity | 85 (stronger) | 71 |
| Problem-loan coverage | 95 (stronger) | 85 |
| Peer percentile | 23rd | 19th |
| Total assets | $51.8M | $47.9M |
| Deposits / shares | $47.5M | $41.9M |
| Capital ratio | 7.55% | 11.72% (stronger) |
| Problem loans | 0.26% (stronger) | 1.12% |
| Net charge-offs | 0.42% | 0.14% (stronger) |
| Return on assets | 0.51% (stronger) | -0.11% |
| Loans ÷ deposits | 75.1% (stronger) | 89.7% |
| Uninsured deposits | 1.7% (stronger) | 9.8% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
U.P.S. Employees Federal Credit Union has the higher TellerScore (61 vs 58). On the 7 directional measures above (where higher or lower is clearly better), U.P.S. Employees Federal Credit Union leads on 5 and Silverado Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.