Side-by-side · Q2 2026 data
United Federal Credit Union vs Michigan State University Federal Credit Union
Credit union
Michigan State University Federal Credit Union
East Lansing, Michigan · $1 billion – $10 billion
Metric by metric
| Measure | United Federal Credit Union | Michigan State University Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 51 |
| Capital cushion | 69 (stronger) | 40 |
| Loan quality | 76 (stronger) | 59 |
| Earnings | 80 (stronger) | 32 |
| Funding & liquidity | 68 (stronger) | 65 |
| Problem-loan coverage | 90 (stronger) | 78 |
| Peer percentile | 75th | 7th |
| Total assets | $4.4B | $8.9B |
| Deposits / shares | $3.7B | $7.3B |
| Capital ratio | 11.94% (stronger) | 8.96% |
| Problem loans | 0.71% (stronger) | 1.24% |
| Net charge-offs | 0.61% (stronger) | 0.78% |
| Return on assets | 1.50% (stronger) | 0.31% |
| Loans ÷ deposits | 88.4% (stronger) | 95.2% |
| Uninsured deposits | 18.0% | 14.8% (stronger) |
| Offices | 16 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 20.6% |
United Federal Credit Union has the higher TellerScore (75 vs 51). On the 7 directional measures above (where higher or lower is clearly better), United Federal Credit Union leads on 6 and Michigan State University Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.