Side-by-side · Q2 2026 data
United Neighborhood Federal Credit Union vs Associated Credit Union
Credit union
United Neighborhood Federal Credit Union
Augusta, Georgia · Under $100 million in assets
Metric by metric
| Measure | United Neighborhood Federal Credit Union | Associated Credit Union |
|---|---|---|
| TellerScore | 51 | 77 (stronger) |
| Capital cushion | 35 | 80 (stronger) |
| Loan quality | 67 | 90 (stronger) |
| Earnings | 0 | 49 (stronger) |
| Funding & liquidity | 97 (stronger) | 75 |
| Problem-loan coverage | 89 | 96 (stronger) |
| Peer percentile | 10th | 82nd |
| Total assets | $3.0M | $2.5B |
| Deposits / shares | $2.7M | $2.2B |
| Capital ratio | 8.50% | 13.03% (stronger) |
| Problem loans | 0.98% | 0.30% (stronger) |
| Net charge-offs | 6.27% | 0.54% (stronger) |
| Return on assets | -5.02% | 0.72% (stronger) |
| Loans ÷ deposits | 63.1% (stronger) | 84.9% |
| Uninsured deposits | 0.0% (stronger) | 7.3% |
| Offices | 2 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.1% |
Associated Credit Union has the higher TellerScore (77 vs 51). On the 7 directional measures above (where higher or lower is clearly better), United Neighborhood Federal Credit Union leads on 2 and Associated Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.