Side-by-side · Q2 2026 data
United Bay Community Credit Union vs Financialedge Credit Union
Metric by metric
| Measure | United Bay Community Credit Union | Financialedge Credit Union |
|---|---|---|
| TellerScore | 55 | 74 (stronger) |
| Capital cushion | 25 | 73 (stronger) |
| Loan quality | 80 (stronger) | 78 |
| Earnings | 40 | 48 (stronger) |
| Funding & liquidity | 71 | 94 (stronger) |
| Problem-loan coverage | 87 | 92 (stronger) |
| Peer percentile | 12th | 63rd |
| Total assets | $301.7M | $147.2M |
| Deposits / shares | $276.1M | $127.4M |
| Capital ratio | 7.54% | 12.29% (stronger) |
| Problem loans | 0.60% (stronger) | 0.66% |
| Net charge-offs | 0.28% (stronger) | 0.35% |
| Return on assets | 0.50% | 0.70% (stronger) |
| Loans ÷ deposits | 89.7% | 66.1% (stronger) |
| Uninsured deposits | 0.9% (stronger) | 5.2% |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.5% | — |
Financialedge Credit Union has the higher TellerScore (74 vs 55). On the 7 directional measures above (where higher or lower is clearly better), United Bay Community Credit Union leads on 3 and Financialedge Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.