Side-by-side · Q2 2026 data
Universal 1 Credit Union vs Cardinal Credit Union, Inc.
Metric by metric
| Measure | Universal 1 Credit Union | Cardinal Credit Union, Inc. |
|---|---|---|
| TellerScore | 68 (stronger) | 57 |
| Capital cushion | 74 (stronger) | 50 |
| Loan quality | 49 | 63 (stronger) |
| Earnings | 48 (stronger) | 33 |
| Funding & liquidity | 100 (stronger) | 76 |
| Problem-loan coverage | 86 (stronger) | 83 |
| Peer percentile | 45th | 14th |
| Total assets | $424.7M | $365.7M |
| Deposits / shares | $370.1M | $325.6M |
| Capital ratio | 12.42% (stronger) | 10.00% |
| Problem loans | 1.53% | 1.11% (stronger) |
| Net charge-offs | 1.37% | 0.23% (stronger) |
| Return on assets | 0.71% (stronger) | 0.32% |
| Loans ÷ deposits | 58.0% (stronger) | 84.4% |
| Uninsured deposits | 2.6% (stronger) | 3.3% |
| Offices | 9 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.8% | 29.1% |
Universal 1 Credit Union has the higher TellerScore (68 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Universal 1 Credit Union leads on 5 and Cardinal Credit Union, Inc. on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.