Side-by-side · Q2 2026 data
Usalliance Federal Credit Union vs Americu Credit Union
Metric by metric
| Measure | Usalliance Federal Credit Union | Americu Credit Union |
|---|---|---|
| TellerScore | 53 (stronger) | 48 |
| Capital cushion | 33 | 46 (stronger) |
| Loan quality | 72 (stronger) | 37 |
| Earnings | 47 | 47 |
| Funding & liquidity | 50 | 63 (stronger) |
| Problem-loan coverage | 80 (stronger) | 65 |
| Peer percentile | 10th | 4th |
| Total assets | $3.4B | $3.0B |
| Deposits / shares | $2.6B | $2.7B |
| Capital ratio | 8.32% | 9.56% (stronger) |
| Problem loans | 0.84% (stronger) | 1.89% |
| Net charge-offs | 0.32% (stronger) | 0.95% |
| Return on assets | 0.67% | 0.69% (stronger) |
| Loans ÷ deposits | 116.0% | 96.8% (stronger) |
| Uninsured deposits | 7.2% (stronger) | 10.3% |
| Offices | 2 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.2% | 28.4% |
Usalliance Federal Credit Union has the higher TellerScore (53 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Usalliance Federal Credit Union leads on 4 and Americu Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.