Side-by-side · Q2 2026 data
Utility Employees Federal Credit Union vs Spokane Media Federal Credit Union
Credit union
Utility Employees Federal Credit Union
Aberdeen, Washington · Under $100 million in assets
Metric by metric
| Measure | Utility Employees Federal Credit Union | Spokane Media Federal Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 38 |
| Capital cushion | 100 (stronger) | 47 |
| Loan quality | 100 (stronger) | 2 |
| Earnings | 76 (stronger) | 14 |
| Funding & liquidity | 83 | 94 (stronger) |
| Problem-loan coverage | 100 (stronger) | 63 |
| Peer percentile | 94th | 3rd |
| Total assets | $3.2M | $16.6M |
| Deposits / shares | $2.6M | $14.9M |
| Capital ratio | 19.42% (stronger) | 9.68% |
| Problem loans | 0.00% (stronger) | 2.93% |
| Net charge-offs | 0.00% (stronger) | 0.31% |
| Return on assets | 1.39% (stronger) | -0.16% |
| Loans ÷ deposits | 77.3% | 66.7% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 0.9% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Utility Employees Federal Credit Union has the higher TellerScore (93 vs 38). On the 7 directional measures above (where higher or lower is clearly better), Utility Employees Federal Credit Union leads on 6 and Spokane Media 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.