Side-by-side · Q2 2026 data
Universal 1 Credit Union vs Day Air Credit Union
Metric by metric
| Measure | Universal 1 Credit Union | Day Air Credit Union |
|---|---|---|
| TellerScore | 68 | 82 (stronger) |
| Capital cushion | 74 | 96 (stronger) |
| Loan quality | 49 | 68 (stronger) |
| Earnings | 48 | 88 (stronger) |
| Funding & liquidity | 100 (stronger) | 66 |
| Problem-loan coverage | 86 | 86 |
| Peer percentile | 45th | 82nd |
| Total assets | $424.7M | $908.8M |
| Deposits / shares | $370.1M | $747.9M |
| Capital ratio | 12.42% | 14.56% (stronger) |
| Problem loans | 1.53% | 0.96% (stronger) |
| Net charge-offs | 1.37% | 0.73% (stronger) |
| Return on assets | 0.71% | 1.71% (stronger) |
| Loans ÷ deposits | 58.0% (stronger) | 94.5% |
| Uninsured deposits | 2.6% (stronger) | 7.1% |
| Offices | 9 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.8% | 20.5% |
Day Air Credit Union has the higher TellerScore (82 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Universal 1 Credit Union leads on 2 and Day Air Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.