Side-by-side · Q2 2026 data
United Members Federal Credit Union vs Cooperative Employees
Credit union
United Members Federal Credit Union
Tulsa, Oklahoma · Under $100 million in assets
Metric by metric
| Measure | United Members Federal Credit Union | Cooperative Employees |
|---|---|---|
| TellerScore | 87 (stronger) | 73 |
| Capital cushion | 100 (stronger) | 54 |
| Loan quality | 95 | 100 (stronger) |
| Earnings | 39 | 42 (stronger) |
| Funding & liquidity | 100 (stronger) | 92 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 83rd | 47th |
| Total assets | $10.4M | $10.0M |
| Deposits / shares | $8.5M | $8.9M |
| Capital ratio | 18.62% (stronger) | 10.37% |
| Problem loans | 0.15% | 0.00% (stronger) |
| Net charge-offs | 1.30% | 0.00% (stronger) |
| Return on assets | 0.47% | 0.55% (stronger) |
| Loans ÷ deposits | 36.0% (stronger) | 67.8% |
| Uninsured deposits | 4.0% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Members Federal Credit Union has the higher TellerScore (87 vs 73). On the 7 directional measures above (where higher or lower is clearly better), United Members Federal Credit Union leads on 3 and Cooperative Employees on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.