Side-by-side · Q2 2026 data
Usem Mena Federal Credit Union vs Fair Break Federal Credit Union
Metric by metric
| Measure | Usem Mena Federal Credit Union | Fair Break Federal Credit Union |
|---|---|---|
| TellerScore | 89 | — |
| Capital cushion | 100 | 100 |
| Loan quality | 100 | — |
| Earnings | 83 (stronger) | 20 |
| Funding & liquidity | 52 | — |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 87th | — |
| Total assets | $1.8M | $22 |
| Deposits / shares | $1.2M | $0 |
| Capital ratio | 32.39% | 100.00% (stronger) |
| Problem loans | 0.00% | — |
| Net charge-offs | -0.19% | — |
| Return on assets | 1.59% (stronger) | 0.00% |
| Loans ÷ deposits | 108.3% | — |
| Uninsured deposits | 0.0% | — |
| Offices | 1 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 2 directional measures above (where higher or lower is clearly better), Usem Mena Federal Credit Union leads on 1 and Fair Break Federal Credit Union on 1. 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.