Side-by-side · Q2 2026 data
United Federal Credit Union vs South Bend Firefighters Federal Credit Union
Credit union
South Bend Firefighters Federal Credit Union
South Bend, Indiana · Under $100 million in assets
Metric by metric
| Measure | United Federal Credit Union | South Bend Firefighters Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 82 (stronger) |
| Capital cushion | 69 | 100 (stronger) |
| Loan quality | 76 (stronger) | 64 |
| Earnings | 80 (stronger) | 71 |
| Funding & liquidity | 68 | 84 (stronger) |
| Problem-loan coverage | 90 | 95 (stronger) |
| Peer percentile | 75th | 70th |
| Total assets | $4.4B | $64.3M |
| Deposits / shares | $3.7B | $49.0M |
| Capital ratio | 11.94% | 23.61% (stronger) |
| Problem loans | 0.71% (stronger) | 1.07% |
| Net charge-offs | 0.61% | 0.01% (stronger) |
| Return on assets | 1.50% (stronger) | 1.29% |
| Loans ÷ deposits | 88.4% | 76.0% (stronger) |
| Uninsured deposits | 18.0% | 5.4% (stronger) |
| Offices | 16 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
South Bend Firefighters Federal Credit Union has the higher TellerScore (82 vs 75). On the 7 directional measures above (where higher or lower is clearly better), United Federal Credit Union leads on 2 and South Bend Firefighters Federal Credit Union on 5. 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.