Side-by-side · Q2 2026 data
Umatilla County Federal Credit Union vs Focus 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 | Focus Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 83 |
| Capital cushion | 100 (stronger) | 90 |
| Loan quality | 98 (stronger) | 84 |
| Earnings | 80 (stronger) | 74 |
| Funding & liquidity | 79 (stronger) | 73 |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 92nd | 72nd |
| Total assets | $47.7M | $61.7M |
| Deposits / shares | $38.6M | $52.5M |
| Capital ratio | 18.97% (stronger) | 14.01% |
| Problem loans | 0.06% (stronger) | 0.49% |
| Net charge-offs | 0.00% (stronger) | 0.33% |
| Return on assets | 1.51% (stronger) | 1.34% |
| Loans ÷ deposits | 81.3% (stronger) | 87.5% |
| Uninsured deposits | 1.5% (stronger) | 5.5% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Umatilla County Federal Credit Union has the higher TellerScore (92 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Umatilla County Federal Credit Union leads on 7 and Focus Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.