Side-by-side · Q2 2026 data
Usf Federal Credit Union vs First Commerce Credit Union
Metric by metric
| Measure | Usf Federal Credit Union | First Commerce Credit Union |
|---|---|---|
| TellerScore | 60 | 65 (stronger) |
| Capital cushion | 56 (stronger) | 51 |
| Loan quality | 74 | 83 (stronger) |
| Earnings | 34 | 47 (stronger) |
| Funding & liquidity | 59 | 68 (stronger) |
| Problem-loan coverage | 87 | 92 (stronger) |
| Peer percentile | 25th | 41st |
| Total assets | $1.4B | $1.2B |
| Deposits / shares | $1.2B | $1.1B |
| Capital ratio | 10.62% (stronger) | 10.13% |
| Problem loans | 0.77% | 0.50% (stronger) |
| Net charge-offs | 0.90% | 0.41% (stronger) |
| Return on assets | 0.36% | 0.68% (stronger) |
| Loans ÷ deposits | 101.1% | 92.7% (stronger) |
| Uninsured deposits | 10.7% | 9.2% (stronger) |
| Offices | 10 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 37.5% | 28.6% |
First Commerce Credit Union has the higher TellerScore (65 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Usf Federal Credit Union leads on 1 and First Commerce Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.