Side-by-side · Q2 2026 data
United Nations Federal Credit Union vs ESL Federal Credit Union
Metric by metric
| Measure | United Nations Federal Credit Union | ESL Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 90 (stronger) |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 91 (stronger) | 70 |
| Earnings | 75 | 100 (stronger) |
| Funding & liquidity | 94 (stronger) | 86 |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 81st | 92nd |
| Total assets | $10.7B | $10.8B |
| Deposits / shares | $9.6B | $6.2B |
| Capital ratio | 9.78% | 16.40% (stronger) |
| Problem loans | 0.28% (stronger) | 0.90% |
| Net charge-offs | 0.22% (stronger) | 0.83% |
| Return on assets | 1.36% | 2.26% (stronger) |
| Loans ÷ deposits | 66.0% (stronger) | 74.2% |
| Uninsured deposits | 15.5% | 10.2% (stronger) |
| Offices | 1 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.4% | 19.4% |
ESL Federal Credit Union has the higher TellerScore (90 vs 76). On the 7 directional measures above (where higher or lower is clearly better), United Nations Federal Credit Union leads on 3 and ESL Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.