Side-by-side · Q2 2026 data
United Members Federal Credit Union vs Employees Federal Credit Union
Credit union
United Members Federal Credit Union
Tulsa, Oklahoma · Under $100 million in assets
Metric by metric
| Measure | United Members Federal Credit Union | Employees Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 55 |
| Capital cushion | 100 (stronger) | 35 |
| Loan quality | 95 (stronger) | 67 |
| Earnings | 39 (stronger) | 30 |
| Funding & liquidity | 100 (stronger) | 94 |
| Problem-loan coverage | 100 (stronger) | 72 |
| Peer percentile | 83rd | 15th |
| Total assets | $10.4M | $46.8M |
| Deposits / shares | $8.5M | $42.6M |
| Capital ratio | 18.62% (stronger) | 8.54% |
| Problem loans | 0.15% (stronger) | 0.98% |
| Net charge-offs | 1.30% | 0.61% (stronger) |
| Return on assets | 0.47% (stronger) | 0.25% |
| Loans ÷ deposits | 36.0% (stronger) | 65.8% |
| Uninsured deposits | 4.0% | 3.3% (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 55). On the 7 directional measures above (where higher or lower is clearly better), United Members Federal Credit Union leads on 5 and Employees Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.