Side-by-side · Q2 2026 data
U. T. Federal Credit Union vs Fedex Employees Credit Association Federal Credit Union
Credit union
Fedex Employees Credit Association Federal Credit Union
Memphis, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | U. T. Federal Credit Union | Fedex Employees Credit Association Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 77 (stronger) |
| Capital cushion | 47 | 92 (stronger) |
| Loan quality | 94 (stronger) | 65 |
| Earnings | 38 | 43 (stronger) |
| Funding & liquidity | 65 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 93 |
| Peer percentile | 34th | 71st |
| Total assets | $553.9M | $641.1M |
| Deposits / shares | $486.5M | $544.4M |
| Capital ratio | 9.68% | 14.15% (stronger) |
| Problem loans | 0.19% (stronger) | 1.04% |
| Net charge-offs | 0.28% (stronger) | 1.17% |
| Return on assets | 0.45% | 0.57% (stronger) |
| Loans ÷ deposits | 95.2% | 54.8% (stronger) |
| Uninsured deposits | 8.3% | 7.0% (stronger) |
| Offices | 9 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.1% | — |
Fedex Employees Credit Association Federal Credit Union has the higher TellerScore (77 vs 65). On the 7 directional measures above (where higher or lower is clearly better), U. T. Federal Credit Union leads on 2 and Fedex Employees Credit Association Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.