Side-by-side · Q2 2026 data
Ume Federal Credit Union vs Sunkist Employees Federal Credit Union
Credit union
Sunkist Employees Federal Credit Union
Valencia, California · Under $100 million in assets
Metric by metric
| Measure | Ume Federal Credit Union | Sunkist Employees Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 100 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 82 | 100 (stronger) |
| Earnings | 72 | 100 (stronger) |
| Funding & liquidity | 99 | 100 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 63rd | 100th |
| Total assets | $327.9M | $3.8M |
| Deposits / shares | $296.7M | $2.5M |
| Capital ratio | 9.86% | 33.64% (stronger) |
| Problem loans | 0.54% | 0.00% (stronger) |
| Net charge-offs | 0.47% | 0.00% (stronger) |
| Return on assets | 1.29% | 2.08% (stronger) |
| Loans ÷ deposits | 56.7% | 37.5% (stronger) |
| Uninsured deposits | 16.6% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.8% | — |
Sunkist Employees Federal Credit Union has the higher TellerScore (100 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Ume Federal Credit Union leads on 0 and Sunkist Employees Federal Credit Union on 7. 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.