Side-by-side · Q2 2026 data
United Members Federal Credit Union vs Saint Francis Employees Federal Credit Union
Credit union
United Members Federal Credit Union
Tulsa, Oklahoma · Under $100 million in assets
Credit union
Saint Francis Employees Federal Credit Union
Tulsa, Oklahoma · Under $100 million in assets
Metric by metric
| Measure | United Members Federal Credit Union | Saint Francis Employees Federal Credit Union |
|---|---|---|
| TellerScore | 87 | 92 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 95 (stronger) | 93 |
| Earnings | 39 | 70 (stronger) |
| Funding & liquidity | 100 (stronger) | 99 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 83rd | 92nd |
| Total assets | $10.4M | $44.7M |
| Deposits / shares | $8.5M | $37.2M |
| Capital ratio | 18.62% (stronger) | 15.92% |
| Problem loans | 0.15% (stronger) | 0.20% |
| Net charge-offs | 1.30% | 0.46% (stronger) |
| Return on assets | 0.47% | 1.24% (stronger) |
| Loans ÷ deposits | 36.0% (stronger) | 41.0% |
| Uninsured deposits | 4.0% (stronger) | 15.9% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Saint Francis Employees Federal Credit Union has the higher TellerScore (92 vs 87). On the 7 directional measures above (where higher or lower is clearly better), United Members Federal Credit Union leads on 4 and Saint Francis Employees Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.