Side-by-side · Q2 2026 data
Ume Federal Credit Union vs Families and Schools Together Federal Credit Union
Credit union
Families and Schools Together Federal Credit Union
Hanford, California · $100 million – $1 billion
Metric by metric
| Measure | Ume Federal Credit Union | Families and Schools Together Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 92 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 82 | 88 (stronger) |
| Earnings | 72 | 100 (stronger) |
| Funding & liquidity | 99 (stronger) | 67 |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 63rd | 97th |
| Total assets | $327.9M | $329.6M |
| Deposits / shares | $296.7M | $260.3M |
| Capital ratio | 9.86% | 20.04% (stronger) |
| Problem loans | 0.54% | 0.37% (stronger) |
| Net charge-offs | 0.47% | 0.30% (stronger) |
| Return on assets | 1.29% | 2.52% (stronger) |
| Loans ÷ deposits | 56.7% (stronger) | 93.2% |
| Uninsured deposits | 16.6% | 12.6% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.8% | 41.3% |
Families and Schools Together Federal Credit Union has the higher TellerScore (92 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Ume Federal Credit Union leads on 1 and Families and Schools Together Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.