Side-by-side · Q2 2026 data
U S #1364 Federal Credit Union vs Encompass Federal Credit Union
Metric by metric
| Measure | U S #1364 Federal Credit Union | Encompass Federal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 52 |
| Capital cushion | 86 (stronger) | 44 |
| Loan quality | 63 (stronger) | 47 |
| Earnings | 52 (stronger) | 49 |
| Funding & liquidity | 100 (stronger) | 67 |
| Problem-loan coverage | 93 (stronger) | 71 |
| Peer percentile | 68th | 8th |
| Total assets | $222.4M | $240.7M |
| Deposits / shares | $192.4M | $216.9M |
| Capital ratio | 13.59% (stronger) | 9.36% |
| Problem loans | 1.12% (stronger) | 1.60% |
| Net charge-offs | 0.24% (stronger) | 1.37% |
| Return on assets | 0.79% (stronger) | 0.71% |
| Loans ÷ deposits | 46.7% (stronger) | 93.7% |
| Uninsured deposits | 5.8% (stronger) | 11.9% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.0% |
U S #1364 Federal Credit Union has the higher TellerScore (76 vs 52). On the 7 directional measures above (where higher or lower is clearly better), U S #1364 Federal Credit Union leads on 7 and Encompass Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.