Side-by-side · Q2 2026 data
Union Pacific Employees Credit Union vs Intercorp Credit Union
Credit union
Union Pacific Employees Credit Union
Beaumont, Texas · Under $100 million in assets
Metric by metric
| Measure | Union Pacific Employees Credit Union | Intercorp Credit Union |
|---|---|---|
| TellerScore | 59 | 60 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 33 (stronger) | 5 |
| Earnings | 2 | 33 (stronger) |
| Funding & liquidity | 74 | 91 (stronger) |
| Problem-loan coverage | 89 (stronger) | 83 |
| Peer percentile | 20th | 22nd |
| Total assets | $3.8M | $4.2M |
| Deposits / shares | $2.9M | $3.4M |
| Capital ratio | 23.66% (stronger) | 18.58% |
| Problem loans | 2.02% (stronger) | 2.86% |
| Net charge-offs | 0.02% (stronger) | 1.56% |
| Return on assets | -0.44% | 0.33% (stronger) |
| Loans ÷ deposits | 86.6% | 69.5% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Intercorp Credit Union has the higher TellerScore (60 vs 59). On the 6 directional measures above (where higher or lower is clearly better), Union Pacific Employees Credit Union leads on 3 and Intercorp Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.