Side-by-side · Q2 2026 data
United Local Credit Union vs Fresno Police Department Credit Union
Credit union
Fresno Police Department Credit Union
Fresno, California · Under $100 million in assets
Metric by metric
| Measure | United Local Credit Union | Fresno Police Department Credit Union |
|---|---|---|
| TellerScore | 79 | 89 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 93 | 98 (stronger) |
| Earnings | 18 | 45 (stronger) |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 76th | 87th |
| Total assets | $119.3M | $49.5M |
| Deposits / shares | $94.6M | $36.6M |
| Capital ratio | 20.14% | 23.30% (stronger) |
| Problem loans | 0.20% | 0.06% (stronger) |
| Net charge-offs | 0.58% | 0.07% (stronger) |
| Return on assets | -0.05% | 0.62% (stronger) |
| Loans ÷ deposits | 80.7% | 31.6% (stronger) |
| Uninsured deposits | 9.8% | 0.0% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.7% | — |
Fresno Police Department Credit Union has the higher TellerScore (89 vs 79). On the 7 directional measures above (where higher or lower is clearly better), United Local Credit Union leads on 0 and Fresno Police Department Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.