Side-by-side · Q2 2026 data
University Federal Credit Union vs Credit Human Federal Credit Union
Credit union
Credit Human Federal Credit Union
San Antonio, Texas · $1 billion – $10 billion
Metric by metric
| Measure | University Federal Credit Union | Credit Human Federal Credit Union |
|---|---|---|
| TellerScore | 60 (stronger) | 43 |
| Capital cushion | 47 (stronger) | 23 |
| Loan quality | 63 | 64 (stronger) |
| Earnings | 51 (stronger) | 24 |
| Funding & liquidity | 75 (stronger) | 52 |
| Problem-loan coverage | 83 (stronger) | 71 |
| Peer percentile | 25th | 2nd |
| Total assets | $4.3B | $4.3B |
| Deposits / shares | $3.5B | $3.6B |
| Capital ratio | 9.65% (stronger) | 7.35% |
| Problem loans | 1.11% | 1.09% (stronger) |
| Net charge-offs | 1.17% | 0.70% (stronger) |
| Return on assets | 0.77% (stronger) | 0.11% |
| Loans ÷ deposits | 85.7% (stronger) | 108.0% |
| Uninsured deposits | 8.2% | 6.6% (stronger) |
| Offices | 8 | 25 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 74.7% |
University Federal Credit Union has the higher TellerScore (60 vs 43). On the 7 directional measures above (where higher or lower is clearly better), University Federal Credit Union leads on 4 and Credit Human Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.