Side-by-side · Q2 2026 data
Universal Federal Credit Union vs 167th Tfr Federal Credit Union
Credit union
Universal Federal Credit Union
Huntington, West Virginia · Under $100 million in assets
Credit union
167th Tfr Federal Credit Union
Martinsburg, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Universal Federal Credit Union | 167th Tfr Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 78 |
| Capital cushion | 80 (stronger) | 57 |
| Loan quality | 85 | 85 |
| Earnings | 38 | 75 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 59th | 59th |
| Total assets | $99.5M | $72.5M |
| Deposits / shares | $85.6M | $64.7M |
| Capital ratio | 13.03% (stronger) | 10.74% |
| Problem loans | 0.46% | 0.44% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.25% |
| Return on assets | 0.45% | 1.39% (stronger) |
| Loans ÷ deposits | 30.3% | 15.7% (stronger) |
| Uninsured deposits | 4.0% | 3.1% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.7% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Universal Federal Credit Union leads on 2 and 167th Tfr Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.