Side-by-side · Q2 2026 data
United Local Credit Union vs Central Valley Firefighters Credit Union
Credit union
Central Valley Firefighters Credit Union
Fresno, California · Under $100 million in assets
Metric by metric
| Measure | United Local Credit Union | Central Valley Firefighters Credit Union |
|---|---|---|
| TellerScore | 79 | 87 (stronger) |
| Capital cushion | 100 (stronger) | 87 |
| Loan quality | 93 (stronger) | 86 |
| Earnings | 18 | 75 (stronger) |
| Funding & liquidity | 80 | 99 (stronger) |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 76th | 83rd |
| Total assets | $119.3M | $49.5M |
| Deposits / shares | $94.6M | $42.5M |
| Capital ratio | 20.14% (stronger) | 13.73% |
| Problem loans | 0.20% (stronger) | 0.42% |
| Net charge-offs | 0.58% | 0.16% (stronger) |
| Return on assets | -0.05% | 1.37% (stronger) |
| Loans ÷ deposits | 80.7% | 61.1% (stronger) |
| Uninsured deposits | 9.8% | 5.4% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.7% | — |
Central Valley Firefighters Credit Union has the higher TellerScore (87 vs 79). On the 7 directional measures above (where higher or lower is clearly better), United Local Credit Union leads on 2 and Central Valley Firefighters Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.