Side-by-side · Q2 2026 data
Ups Employees Credit Union vs Light Commerce Credit Union
Metric by metric
| Measure | Ups Employees Credit Union | Light Commerce Credit Union |
|---|---|---|
| TellerScore | 90 | 92 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 81 (stronger) | 69 |
| Earnings | 100 | 100 |
| Funding & liquidity | 70 | 98 (stronger) |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 89th | 92nd |
| Total assets | $44.9M | $5.0M |
| Deposits / shares | $33.5M | $3.6M |
| Capital ratio | 23.95% | 26.81% (stronger) |
| Problem loans | 0.57% (stronger) | 0.93% |
| Net charge-offs | 0.10% (stronger) | 0.57% |
| Return on assets | 2.46% (stronger) | 2.37% |
| Loans ÷ deposits | 90.6% | 62.1% (stronger) |
| Uninsured deposits | 2.9% | 0.4% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Light Commerce Credit Union has the higher TellerScore (92 vs 90). On the 7 directional measures above (where higher or lower is clearly better), Ups Employees Credit Union leads on 3 and Light Commerce Credit Union on 4. 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.