Side-by-side · Q2 2026 data
Universal 1 Credit Union vs Postal Family Credit Union, Inc.
Metric by metric
| Measure | Universal 1 Credit Union | Postal Family Credit Union, Inc. |
|---|---|---|
| TellerScore | 68 | 79 (stronger) |
| Capital cushion | 74 | 100 (stronger) |
| Loan quality | 49 | 52 (stronger) |
| Earnings | 48 | 61 (stronger) |
| Funding & liquidity | 100 (stronger) | 95 |
| Problem-loan coverage | 86 | 92 (stronger) |
| Peer percentile | 45th | 62nd |
| Total assets | $424.7M | $66.2M |
| Deposits / shares | $370.1M | $53.7M |
| Capital ratio | 12.42% | 18.10% (stronger) |
| Problem loans | 1.53% | 1.44% (stronger) |
| Net charge-offs | 1.37% | 0.04% (stronger) |
| Return on assets | 0.71% | 1.02% (stronger) |
| Loans ÷ deposits | 58.0% (stronger) | 65.4% |
| Uninsured deposits | 2.6% | 0.0% (stronger) |
| Offices | 9 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.8% | — |
Postal Family Credit Union, Inc. has the higher TellerScore (79 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Universal 1 Credit Union leads on 1 and Postal Family Credit Union, Inc. on 6. 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.