Side-by-side · Q2 2026 data
Acadian Federal Credit Union vs P.H.I. Federal Credit Union
Metric by metric
| Measure | Acadian Federal Credit Union | P.H.I. Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 55 |
| Capital cushion | 69 (stronger) | 20 |
| Loan quality | 99 | 100 (stronger) |
| Earnings | 61 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 92 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 72nd | 15th |
| Total assets | $20.9M | $4.9M |
| Deposits / shares | $18.4M | $4.5M |
| Capital ratio | 11.86% (stronger) | 6.97% |
| Problem loans | 0.02% | 0.00% (stronger) |
| Net charge-offs | 0.93% | -0.13% (stronger) |
| Return on assets | 1.03% (stronger) | -0.59% |
| Loans ÷ deposits | 59.3% (stronger) | 68.6% |
| Uninsured deposits | 2.2% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Acadian Federal Credit Union has the higher TellerScore (83 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Acadian Federal Credit Union leads on 4 and P.H.I. Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.