Side-by-side · Q2 2026 data
Universal 1 Credit Union vs Ih Credit Union, Inc.
Metric by metric
| Measure | Universal 1 Credit Union | Ih Credit Union, Inc. |
|---|---|---|
| TellerScore | 68 | 74 (stronger) |
| Capital cushion | 74 | 100 (stronger) |
| Loan quality | 49 (stronger) | 43 |
| Earnings | 48 | 57 (stronger) |
| Funding & liquidity | 100 (stronger) | 85 |
| Problem-loan coverage | 86 | 87 (stronger) |
| Peer percentile | 45th | 63rd |
| Total assets | $424.7M | $362.7M |
| Deposits / shares | $370.1M | $274.1M |
| Capital ratio | 12.42% | 16.04% (stronger) |
| Problem loans | 1.53% (stronger) | 1.70% |
| Net charge-offs | 1.37% | 1.06% (stronger) |
| Return on assets | 0.71% | 0.91% (stronger) |
| Loans ÷ deposits | 58.0% (stronger) | 75.6% |
| Uninsured deposits | 2.6% | 0.0% (stronger) |
| Offices | 9 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.8% | 3.3% |
Ih Credit Union, Inc. has the higher TellerScore (74 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Universal 1 Credit Union leads on 2 and Ih Credit Union, Inc. on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.