Side-by-side · Q2 2026 data
Ume Federal Credit Union vs Strata Federal Credit Union
Metric by metric
| Measure | Ume Federal Credit Union | Strata Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 78 (stronger) |
| Capital cushion | 49 | 92 (stronger) |
| Loan quality | 82 | 92 (stronger) |
| Earnings | 72 (stronger) | 32 |
| Funding & liquidity | 99 (stronger) | 75 |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 63rd | 74th |
| Total assets | $327.9M | $344.5M |
| Deposits / shares | $296.7M | $291.4M |
| Capital ratio | 9.86% | 14.20% (stronger) |
| Problem loans | 0.54% | 0.23% (stronger) |
| Net charge-offs | 0.47% (stronger) | 0.80% |
| Return on assets | 1.29% (stronger) | 0.31% |
| Loans ÷ deposits | 56.7% (stronger) | 85.3% |
| Uninsured deposits | 16.6% | 4.7% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.8% | — |
Strata Federal Credit Union has the higher TellerScore (78 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Ume Federal Credit Union leads on 3 and Strata Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.