Side-by-side · Q2 2026 data
United Employees Credit Union vs Smw Financial Credit Union
Credit union
United Employees Credit Union
Albert Lea, Minnesota · Under $100 million in assets
Metric by metric
| Measure | United Employees Credit Union | Smw Financial Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 75 |
| Capital cushion | 92 (stronger) | 65 |
| Loan quality | 73 | 100 (stronger) |
| Earnings | 84 (stronger) | 38 |
| Funding & liquidity | 100 (stronger) | 85 |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 83rd | 52nd |
| Total assets | $66.4M | $87.5M |
| Deposits / shares | $56.5M | $77.6M |
| Capital ratio | 14.19% (stronger) | 11.51% |
| Problem loans | 0.80% | 0.01% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.22% |
| Return on assets | 1.59% (stronger) | 0.44% |
| Loans ÷ deposits | 50.0% (stronger) | 74.9% |
| Uninsured deposits | 2.0% (stronger) | 5.1% |
| Offices | 0 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
United Employees Credit Union has the higher TellerScore (87 vs 75). On the 7 directional measures above (where higher or lower is clearly better), United Employees Credit Union leads on 6 and Smw Financial Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.