Side-by-side · Q2 2026 data
University Federal Credit Union vs First Community Credit Union
Metric by metric
| Measure | University Federal Credit Union | First Community Credit Union |
|---|---|---|
| TellerScore | 60 (stronger) | 58 |
| Capital cushion | 47 (stronger) | 30 |
| Loan quality | 63 | 87 (stronger) |
| Earnings | 51 | 54 (stronger) |
| Funding & liquidity | 75 (stronger) | 50 |
| Problem-loan coverage | 83 | 90 (stronger) |
| Peer percentile | 25th | 19th |
| Total assets | $4.3B | $3.1B |
| Deposits / shares | $3.5B | $2.0B |
| Capital ratio | 9.65% (stronger) | 7.98% |
| Problem loans | 1.11% | 0.39% (stronger) |
| Net charge-offs | 1.17% | 0.49% (stronger) |
| Return on assets | 0.77% | 0.85% (stronger) |
| Loans ÷ deposits | 85.7% (stronger) | 118.4% |
| Uninsured deposits | 8.2% (stronger) | 9.9% |
| Offices | 8 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
University Federal Credit Union has the higher TellerScore (60 vs 58). On the 7 directional measures above (where higher or lower is clearly better), University Federal Credit Union leads on 4 and First Community Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.