Side-by-side · Q2 2026 data
United Credit Union vs Highway Alliance Credit Union
Credit union
Highway Alliance Credit Union
Jefferson city, Missouri · Under $100 million in assets
Metric by metric
| Measure | United Credit Union | Highway Alliance Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 73 |
| Capital cushion | 100 (stronger) | 65 |
| Loan quality | 87 (stronger) | 73 |
| Earnings | 68 (stronger) | 58 |
| Funding & liquidity | 85 | 97 (stronger) |
| Problem-loan coverage | 97 (stronger) | 92 |
| Peer percentile | 92nd | 47th |
| Total assets | $302.1M | $29.5M |
| Deposits / shares | $253.5M | $26.1M |
| Capital ratio | 15.17% (stronger) | 11.47% |
| Problem loans | 0.40% (stronger) | 0.80% |
| Net charge-offs | 0.64% | 0.15% (stronger) |
| Return on assets | 1.19% (stronger) | 0.96% |
| Loans ÷ deposits | 75.5% | 62.8% (stronger) |
| Uninsured deposits | 6.3% | 5.2% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Credit Union has the higher TellerScore (88 vs 73). On the 7 directional measures above (where higher or lower is clearly better), United Credit Union leads on 4 and Highway Alliance Credit Union on 3. 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.