Side-by-side · Q2 2026 data
United Financial Credit Union vs Our Credit Union
Metric by metric
| Measure | United Financial Credit Union | Our Credit Union |
|---|---|---|
| TellerScore | 68 | 68 |
| Capital cushion | 57 (stronger) | 50 |
| Loan quality | 66 | 84 (stronger) |
| Earnings | 57 (stronger) | 45 |
| Funding & liquidity | 93 (stronger) | 91 |
| Problem-loan coverage | 88 | 93 (stronger) |
| Peer percentile | 45th | 45th |
| Total assets | $360.1M | $375.1M |
| Deposits / shares | $325.7M | $347.3M |
| Capital ratio | 10.73% (stronger) | 9.98% |
| Problem loans | 1.03% | 0.48% (stronger) |
| Net charge-offs | 0.42% | 0.39% (stronger) |
| Return on assets | 0.92% (stronger) | 0.63% |
| Loans ÷ deposits | 67.0% (stronger) | 68.9% |
| Uninsured deposits | 2.7% (stronger) | 4.4% |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.8% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), United Financial Credit Union leads on 4 and Our Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.