Side-by-side · Q2 2026 data
UBank vs Alcoa Municipal Employees Federal Credit Union
Credit union
Alcoa Municipal Employees Federal Credit Union
Alcoa, Tennessee · Under $100 million in assets
Metric by metric
| Measure | UBank | Alcoa Municipal Employees Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 94 (stronger) |
| Capital cushion | 81 | 100 (stronger) |
| Loan quality | 77 | 100 (stronger) |
| Earnings | 68 | 91 (stronger) |
| Funding & liquidity | 45 | 74 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 53rd | 95th |
| Total assets | $182.8M | $4.5M |
| Deposits / shares | $158.4M | $3.7M |
| Capital ratio | 13.14% | 18.91% (stronger) |
| Problem loans | 0.68% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.25% |
| Return on assets | 1.20% | 1.77% (stronger) |
| Loans ÷ deposits | 82.8% (stronger) | 86.3% |
| Uninsured deposits | 43.7% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.6% | — |
Alcoa Municipal Employees Federal Credit Union has the higher TellerScore (94 vs 73). On the 7 directional measures above (where higher or lower is clearly better), UBank leads on 2 and Alcoa Municipal Employees Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.