Side-by-side · Q2 2026 data
Universal Bank vs Santa Ana Federal Credit Union
Credit union
Santa Ana Federal Credit Union
Santa Ana, California · $100 million – $1 billion
Metric by metric
| Measure | Universal Bank | Santa Ana Federal Credit Union |
|---|---|---|
| TellerScore | 54 | 90 (stronger) |
| Capital cushion | 100 (stronger) | 85 |
| Loan quality | 0 | 98 (stronger) |
| Earnings | 34 | 81 (stronger) |
| Funding & liquidity | 66 | 90 (stronger) |
| Problem-loan coverage | 72 | 99 (stronger) |
| Peer percentile | 10th | 95th |
| Total assets | $388.0M | $111.6M |
| Deposits / shares | $275.1M | $95.7M |
| Capital ratio | 17.80% (stronger) | 13.47% |
| Problem loans | 3.74% | 0.06% (stronger) |
| Net charge-offs | -0.02% (stronger) | -0.01% |
| Return on assets | 0.36% | 1.52% (stronger) |
| Loans ÷ deposits | 94.1% | 70.6% (stronger) |
| Uninsured deposits | 13.7% | 4.3% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Santa Ana Federal Credit Union has the higher TellerScore (90 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Universal Bank leads on 2 and Santa Ana Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.