Side-by-side · Q2 2026 data
Umatilla County Federal Credit Union vs First Community Credit Union
Credit union
Umatilla County Federal Credit Union
Pendleton, Oregon · Under $100 million in assets
Metric by metric
| Measure | Umatilla County Federal Credit Union | First Community Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 86 |
| Capital cushion | 100 (stronger) | 83 |
| Loan quality | 98 | 99 (stronger) |
| Earnings | 80 (stronger) | 72 |
| Funding & liquidity | 79 | 79 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 92nd | 95th |
| Total assets | $47.7M | $1.9B |
| Deposits / shares | $38.6M | $1.6B |
| Capital ratio | 18.97% (stronger) | 13.29% |
| Problem loans | 0.06% | 0.04% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.04% |
| Return on assets | 1.51% (stronger) | 1.31% |
| Loans ÷ deposits | 81.3% | 81.0% (stronger) |
| Uninsured deposits | 1.5% (stronger) | 6.3% |
| Offices | 2 | 26 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Umatilla County Federal Credit Union has the higher TellerScore (92 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Umatilla County Federal Credit Union leads on 5 and First Community Credit Union on 2. 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.