Side-by-side · Q2 2026 data
U.P. State Credit Union vs Aac Credit Union
Metric by metric
| Measure | U.P. State Credit Union | Aac Credit Union |
|---|---|---|
| TellerScore | 79 | 90 (stronger) |
| Capital cushion | 82 | 100 (stronger) |
| Loan quality | 63 | 88 (stronger) |
| Earnings | 86 (stronger) | 78 |
| Funding & liquidity | 84 | 85 (stronger) |
| Problem-loan coverage | 89 | 98 (stronger) |
| Peer percentile | 76th | 95th |
| Total assets | $210.3M | $212.4M |
| Deposits / shares | $181.5M | $158.1M |
| Capital ratio | 13.17% | 24.16% (stronger) |
| Problem loans | 1.10% | 0.36% (stronger) |
| Net charge-offs | 0.12% | 0.08% (stronger) |
| Return on assets | 1.66% (stronger) | 1.46% |
| Loans ÷ deposits | 76.2% | 75.1% (stronger) |
| Uninsured deposits | 0.6% (stronger) | 5.3% |
| Offices | 6 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.5% |
Aac Credit Union has the higher TellerScore (90 vs 79). On the 7 directional measures above (where higher or lower is clearly better), U.P. State Credit Union leads on 2 and Aac Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.