Side-by-side · Q2 2026 data
United Trades Federal Credit Union vs Umatilla County Federal Credit Union
Credit union
United Trades Federal Credit Union
Tualatin, Oregon · Under $100 million in assets
Credit union
Umatilla County Federal Credit Union
Pendleton, Oregon · Under $100 million in assets
Metric by metric
| Measure | United Trades Federal Credit Union | Umatilla County Federal Credit Union |
|---|---|---|
| TellerScore | 63 | 92 (stronger) |
| Capital cushion | 80 | 100 (stronger) |
| Loan quality | 47 | 98 (stronger) |
| Earnings | 29 | 80 (stronger) |
| Funding & liquidity | 89 (stronger) | 79 |
| Problem-loan coverage | 85 | 100 (stronger) |
| Peer percentile | 26th | 92nd |
| Total assets | $56.2M | $47.7M |
| Deposits / shares | $48.4M | $38.6M |
| Capital ratio | 13.02% | 18.97% (stronger) |
| Problem loans | 1.60% | 0.06% (stronger) |
| Net charge-offs | 0.19% | 0.00% (stronger) |
| Return on assets | 0.22% | 1.51% (stronger) |
| Loans ÷ deposits | 70.9% (stronger) | 81.3% |
| Uninsured deposits | 5.5% | 1.5% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Umatilla County Federal Credit Union has the higher TellerScore (92 vs 63). On the 7 directional measures above (where higher or lower is clearly better), United Trades Federal Credit Union leads on 1 and Umatilla County Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.