Side-by-side · Q2 2026 data
Western Sun Federal Credit Union vs United Members Federal Credit Union
Credit union
Western Sun Federal Credit Union
Broken Arrow, Oklahoma · $100 million – $1 billion
Credit union
United Members Federal Credit Union
Tulsa, Oklahoma · Under $100 million in assets
Metric by metric
| Measure | Western Sun Federal Credit Union | United Members Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 87 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 76 | 95 (stronger) |
| Earnings | 24 | 39 (stronger) |
| Funding & liquidity | 65 | 100 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 60th | 83rd |
| Total assets | $181.5M | $10.4M |
| Deposits / shares | $148.2M | $8.5M |
| Capital ratio | 17.57% | 18.62% (stronger) |
| Problem loans | 0.71% | 0.15% (stronger) |
| Net charge-offs | 0.69% (stronger) | 1.30% |
| Return on assets | 0.09% | 0.47% (stronger) |
| Loans ÷ deposits | 95.7% | 36.0% (stronger) |
| Uninsured deposits | 2.7% (stronger) | 4.0% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.8% | — |
United Members Federal Credit Union has the higher TellerScore (87 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Western Sun Federal Credit Union leads on 2 and United Members 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.