Side-by-side · Q2 2026 data
University Bank vs DFCU Financial Credit Union
Metric by metric
| Measure | University Bank | DFCU Financial Credit Union |
|---|---|---|
| TellerScore | 60 | 82 (stronger) |
| Capital cushion | 51 | 76 (stronger) |
| Loan quality | 86 (stronger) | 79 |
| Earnings | 63 | 81 (stronger) |
| Funding & liquidity | 8 | 94 (stronger) |
| Problem-loan coverage | 93 | 96 (stronger) |
| Peer percentile | 21st | 91st |
| Total assets | $1.2B | $8.0B |
| Deposits / shares | $1.1B | $7.2B |
| Capital ratio | 10.08% | 12.63% (stronger) |
| Problem loans | 0.41% (stronger) | 0.63% |
| Net charge-offs | -0.00% (stronger) | 0.08% |
| Return on assets | 1.08% | 1.52% (stronger) |
| Loans ÷ deposits | 102.7% | 43.0% (stronger) |
| Uninsured deposits | 70.2% | 21.0% (stronger) |
| Offices | 2 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | — |
DFCU Financial Credit Union has the higher TellerScore (82 vs 60). On the 7 directional measures above (where higher or lower is clearly better), University Bank leads on 2 and DFCU Financial Credit Union on 5. 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.