Side-by-side · Q2 2026 data
U. T. Federal Credit Union vs Consumer Credit Union
Metric by metric
| Measure | U. T. Federal Credit Union | Consumer Credit Union |
|---|---|---|
| TellerScore | 65 | 75 (stronger) |
| Capital cushion | 47 | 57 (stronger) |
| Loan quality | 94 | 97 (stronger) |
| Earnings | 38 | 66 (stronger) |
| Funding & liquidity | 65 | 69 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 34th | 66th |
| Total assets | $553.9M | $660.5M |
| Deposits / shares | $486.5M | $549.8M |
| Capital ratio | 9.68% | 10.71% (stronger) |
| Problem loans | 0.19% | 0.10% (stronger) |
| Net charge-offs | 0.28% | 0.06% (stronger) |
| Return on assets | 0.45% | 1.15% (stronger) |
| Loans ÷ deposits | 95.2% | 91.1% (stronger) |
| Uninsured deposits | 8.3% (stronger) | 13.3% |
| Offices | 9 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.1% | 11.5% |
Consumer Credit Union has the higher TellerScore (75 vs 65). On the 7 directional measures above (where higher or lower is clearly better), U. T. Federal Credit Union leads on 1 and Consumer Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.