Side-by-side · Q2 2026 data
U. S. I. Federal Credit Union vs United Energy Credit Union
Metric by metric
| Measure | U. S. I. Federal Credit Union | United Energy Credit Union |
|---|---|---|
| TellerScore | 67 | 77 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 56 | 82 (stronger) |
| Earnings | 37 (stronger) | 32 |
| Funding & liquidity | 45 | 68 (stronger) |
| Problem-loan coverage | 88 | 95 (stronger) |
| Peer percentile | 34th | 57th |
| Total assets | $29.4M | $30.0M |
| Deposits / shares | $24.1M | $24.6M |
| Capital ratio | 18.01% (stronger) | 16.46% |
| Problem loans | 1.31% | 0.55% (stronger) |
| Net charge-offs | 1.97% | 0.33% (stronger) |
| Return on assets | 0.42% (stronger) | 0.30% |
| Loans ÷ deposits | 99.6% | 87.5% (stronger) |
| Uninsured deposits | 29.0% | 19.1% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Energy Credit Union has the higher TellerScore (77 vs 67). On the 7 directional measures above (where higher or lower is clearly better), U. S. I. Federal Credit Union leads on 2 and United Energy Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.