Side-by-side · Q2 2026 data
U. T. Federal Credit Union vs Memphis City Employees Credit Union
Metric by metric
| Measure | U. T. Federal Credit Union | Memphis City Employees Credit Union |
|---|---|---|
| TellerScore | 65 | 81 (stronger) |
| Capital cushion | 47 | 95 (stronger) |
| Loan quality | 94 (stronger) | 79 |
| Earnings | 38 | 42 (stronger) |
| Funding & liquidity | 65 | 97 (stronger) |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 34th | 80th |
| Total assets | $553.9M | $502.5M |
| Deposits / shares | $486.5M | $420.2M |
| Capital ratio | 9.68% | 14.48% (stronger) |
| Problem loans | 0.19% (stronger) | 0.63% |
| Net charge-offs | 0.28% (stronger) | 0.55% |
| Return on assets | 0.45% | 0.55% (stronger) |
| Loans ÷ deposits | 95.2% | 63.1% (stronger) |
| Uninsured deposits | 8.3% | 2.9% (stronger) |
| Offices | 9 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.1% | 21.3% |
Memphis City Employees Credit Union has the higher TellerScore (81 vs 65). On the 7 directional measures above (where higher or lower is clearly better), U. T. Federal Credit Union leads on 2 and Memphis City Employees Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.