Side-by-side · Q2 2026 data
United Federal Credit Union vs Tlcu Financial Credit Union
Metric by metric
| Measure | United Federal Credit Union | Tlcu Financial Credit Union |
|---|---|---|
| TellerScore | 75 | 89 (stronger) |
| Capital cushion | 69 | 100 (stronger) |
| Loan quality | 76 | 85 (stronger) |
| Earnings | 80 (stronger) | 66 |
| Funding & liquidity | 68 | 100 (stronger) |
| Problem-loan coverage | 90 | 98 (stronger) |
| Peer percentile | 75th | 87th |
| Total assets | $4.4B | $59.4M |
| Deposits / shares | $3.7B | $49.5M |
| Capital ratio | 11.94% | 16.01% (stronger) |
| Problem loans | 0.71% | 0.45% (stronger) |
| Net charge-offs | 0.61% | 0.02% (stronger) |
| Return on assets | 1.50% (stronger) | 1.15% |
| Loans ÷ deposits | 88.4% | 39.1% (stronger) |
| Uninsured deposits | 18.0% | 2.5% (stronger) |
| Offices | 16 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Tlcu Financial Credit Union has the higher TellerScore (89 vs 75). On the 7 directional measures above (where higher or lower is clearly better), United Federal Credit Union leads on 1 and Tlcu Financial Credit Union on 6. 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.