Side-by-side · Q2 2026 data
Western Commerce Bank vs U-1st Community Federal Credit Union
Credit union
U-1st Community Federal Credit Union
Carlsbad, New Mexico · Under $100 million in assets
Metric by metric
| Measure | Western Commerce Bank | U-1st Community Federal Credit Union |
|---|---|---|
| TellerScore | 51 | 74 (stronger) |
| Capital cushion | 38 | 94 (stronger) |
| Loan quality | 23 | 92 (stronger) |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 46 | 85 (stronger) |
| Problem-loan coverage | 74 | 98 (stronger) |
| Peer percentile | 8th | 49th |
| Total assets | $863.5M | $9.3M |
| Deposits / shares | $779.5M | $8.0M |
| Capital ratio | 8.82% | 14.38% (stronger) |
| Problem loans | 2.30% | 0.24% (stronger) |
| Net charge-offs | 0.00% | -0.02% (stronger) |
| Return on assets | 3.21% (stronger) | -1.47% |
| Loans ÷ deposits | 63.9% (stronger) | 74.9% |
| Uninsured deposits | 66.1% | 1.2% (stronger) |
| Offices | 12 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.8% | — |
U-1st Community Federal Credit Union has the higher TellerScore (74 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Western Commerce Bank leads on 2 and U-1st Community Federal Credit Union on 5. 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.