Side-by-side · Q2 2026 data
United Employees Credit Union vs Federated Employees Credit Union
Credit union
United Employees Credit Union
Albert Lea, Minnesota · Under $100 million in assets
Credit union
Federated Employees Credit Union
Owatonna, Minnesota · Under $100 million in assets
Metric by metric
| Measure | United Employees Credit Union | Federated Employees Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 82 |
| Capital cushion | 92 (stronger) | 82 |
| Loan quality | 73 | 94 (stronger) |
| Earnings | 84 (stronger) | 51 |
| Funding & liquidity | 100 (stronger) | 95 |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 83rd | 70th |
| Total assets | $66.4M | $66.7M |
| Deposits / shares | $56.5M | $57.9M |
| Capital ratio | 14.19% (stronger) | 13.17% |
| Problem loans | 0.80% | 0.19% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.38% |
| Return on assets | 1.59% (stronger) | 0.78% |
| Loans ÷ deposits | 50.0% (stronger) | 65.3% |
| Uninsured deposits | 2.0% | 1.5% (stronger) |
| Offices | 0 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Employees Credit Union has the higher TellerScore (87 vs 82). On the 7 directional measures above (where higher or lower is clearly better), United Employees Credit Union leads on 5 and Federated Employees Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.