Side-by-side · Q2 2026 data
Washington Financial Bank vs United Community Federal Credit Union
Credit union
United Community Federal Credit Union
West Mifflin, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | Washington Financial Bank | United Community Federal Credit Union |
|---|---|---|
| TellerScore | 81 | 90 (stronger) |
| Capital cushion | 97 (stronger) | 83 |
| Loan quality | 85 | 98 (stronger) |
| Earnings | 66 | 78 (stronger) |
| Funding & liquidity | 51 | 100 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 91st | 95th |
| Total assets | $1.4B | $129.1M |
| Deposits / shares | $1.2B | $111.2M |
| Capital ratio | 14.75% (stronger) | 13.25% |
| Problem loans | 0.46% | 0.06% (stronger) |
| Net charge-offs | 0.57% | 0.16% (stronger) |
| Return on assets | 1.15% | 1.45% (stronger) |
| Loans ÷ deposits | 87.2% | 42.0% (stronger) |
| Uninsured deposits | 34.8% | 2.9% (stronger) |
| Offices | 10 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.0% | 18.6% |
United Community Federal Credit Union has the higher TellerScore (90 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Washington Financial Bank leads on 1 and United Community Federal Credit Union on 6. 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.