Side-by-side · Q2 2026 data
University Federal Credit Union vs Riverfork Federal Credit Union
Credit union
University Federal Credit Union
Grand Forks, North Dakota · Under $100 million in assets
Credit union
Riverfork Federal Credit Union
Grand Forks, North Dakota · Under $100 million in assets
Metric by metric
| Measure | University Federal Credit Union | Riverfork Federal Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 78 |
| Capital cushion | 94 (stronger) | 89 |
| Loan quality | 76 | 77 (stronger) |
| Earnings | 100 (stronger) | 39 |
| Funding & liquidity | 94 | 100 (stronger) |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 90th | 59th |
| Total assets | $46.1M | $31.2M |
| Deposits / shares | $39.3M | $26.7M |
| Capital ratio | 14.44% (stronger) | 13.91% |
| Problem loans | 0.72% | 0.70% (stronger) |
| Net charge-offs | 0.38% | 0.34% (stronger) |
| Return on assets | 2.14% (stronger) | 0.48% |
| Loans ÷ deposits | 66.0% | 45.6% (stronger) |
| Uninsured deposits | 5.8% | 3.3% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
University Federal Credit Union has the higher TellerScore (91 vs 78). On the 7 directional measures above (where higher or lower is clearly better), University Federal Credit Union leads on 3 and Riverfork Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.