Side-by-side · Q2 2026 data
University Federal Credit Union vs Texas Dow Employees Credit Union
Metric by metric
| Measure | University Federal Credit Union | Texas Dow Employees Credit Union |
|---|---|---|
| TellerScore | 60 (stronger) | 49 |
| Capital cushion | 47 | 52 (stronger) |
| Loan quality | 63 (stronger) | 41 |
| Earnings | 51 (stronger) | 41 |
| Funding & liquidity | 75 (stronger) | 52 |
| Problem-loan coverage | 83 (stronger) | 67 |
| Peer percentile | 25th | 5th |
| Total assets | $4.3B | $5.0B |
| Deposits / shares | $3.5B | $4.0B |
| Capital ratio | 9.65% | 10.17% (stronger) |
| Problem loans | 1.11% (stronger) | 1.77% |
| Net charge-offs | 1.17% | 0.96% (stronger) |
| Return on assets | 0.77% (stronger) | 0.52% |
| Loans ÷ deposits | 85.7% (stronger) | 108.3% |
| Uninsured deposits | 8.2% | 4.9% (stronger) |
| Offices | 8 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 15.2% |
University Federal Credit Union has the higher TellerScore (60 vs 49). On the 7 directional measures above (where higher or lower is clearly better), University Federal Credit Union leads on 4 and Texas Dow Employees Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.