Side-by-side · Q2 2026 data
Usalliance Federal Credit Union vs Municipal Credit Union
Metric by metric
| Measure | Usalliance Federal Credit Union | Municipal Credit Union |
|---|---|---|
| TellerScore | 53 | 68 (stronger) |
| Capital cushion | 33 | 69 (stronger) |
| Loan quality | 72 (stronger) | 45 |
| Earnings | 47 | 76 (stronger) |
| Funding & liquidity | 50 | 85 (stronger) |
| Problem-loan coverage | 80 | 81 (stronger) |
| Peer percentile | 10th | 50th |
| Total assets | $3.4B | $5.2B |
| Deposits / shares | $2.6B | $4.5B |
| Capital ratio | 8.32% | 11.93% (stronger) |
| Problem loans | 0.84% (stronger) | 1.66% |
| Net charge-offs | 0.32% (stronger) | 0.90% |
| Return on assets | 0.67% | 1.40% (stronger) |
| Loans ÷ deposits | 116.0% | 75.1% (stronger) |
| Uninsured deposits | 7.2% | 5.4% (stronger) |
| Offices | 2 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.2% | 40.3% |
Municipal Credit Union has the higher TellerScore (68 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Usalliance Federal Credit Union leads on 2 and Municipal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.