Side-by-side · Q2 2026 data
United Community Federal Credit Union vs Guthrie Community Federal Credit Union
Credit union
United Community Federal Credit Union
West Mifflin, Pennsylvania · $100 million – $1 billion
Credit union
Guthrie Community Federal Credit Union
Sayre, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | United Community Federal Credit Union | Guthrie Community Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 72 |
| Capital cushion | 83 (stronger) | 59 |
| Loan quality | 98 (stronger) | 90 |
| Earnings | 78 (stronger) | 37 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 95th | 57th |
| Total assets | $129.1M | $122.7M |
| Deposits / shares | $111.2M | $112.4M |
| Capital ratio | 13.25% (stronger) | 10.90% |
| Problem loans | 0.06% (stronger) | 0.31% |
| Net charge-offs | 0.16% (stronger) | 0.26% |
| Return on assets | 1.45% (stronger) | 0.42% |
| Loans ÷ deposits | 42.0% (stronger) | 55.1% |
| Uninsured deposits | 2.9% (stronger) | 4.5% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | — |
United Community Federal Credit Union has the higher TellerScore (90 vs 72). On the 7 directional measures above (where higher or lower is clearly better), United Community Federal Credit Union leads on 7 and Guthrie Community Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.