Side-by-side · Q2 2026 data
United Community Federal Credit Union vs Westmoreland Water Federal Credit Union
Credit union
United Community Federal Credit Union
West Mifflin, Pennsylvania · $100 million – $1 billion
Credit union
Westmoreland Water Federal Credit Union
Greensburg, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | United Community Federal Credit Union | Westmoreland Water Federal Credit Union |
|---|---|---|
| TellerScore | 90 | 97 (stronger) |
| Capital cushion | 83 | 100 (stronger) |
| Loan quality | 98 (stronger) | 96 |
| Earnings | 78 | 89 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 95th | 98th |
| Total assets | $129.1M | $23.5M |
| Deposits / shares | $111.2M | $19.1M |
| Capital ratio | 13.25% | 18.89% (stronger) |
| Problem loans | 0.06% (stronger) | 0.12% |
| Net charge-offs | 0.16% | -0.02% (stronger) |
| Return on assets | 1.45% | 1.71% (stronger) |
| Loans ÷ deposits | 42.0% | 32.6% (stronger) |
| Uninsured deposits | 2.9% | 2.1% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | — |
Westmoreland Water Federal Credit Union has the higher TellerScore (97 vs 90). On the 7 directional measures above (where higher or lower is clearly better), United Community Federal Credit Union leads on 1 and Westmoreland Water Federal Credit Union on 6. 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.