Side-by-side · Q2 2026 data
Act 1st Federal Credit Union vs Skypoint Federal Credit Union
Metric by metric
| Measure | Act 1st Federal Credit Union | Skypoint Federal Credit Union |
|---|---|---|
| TellerScore | 51 | 60 (stronger) |
| Capital cushion | 31 | 74 (stronger) |
| Loan quality | 49 (stronger) | 46 |
| Earnings | 50 (stronger) | 43 |
| Funding & liquidity | 81 (stronger) | 62 |
| Problem-loan coverage | 73 | 80 (stronger) |
| Peer percentile | 7th | 21st |
| Total assets | $149.7M | $242.8M |
| Deposits / shares | $137.2M | $190.5M |
| Capital ratio | 8.07% | 12.37% (stronger) |
| Problem loans | 1.53% (stronger) | 1.61% |
| Net charge-offs | 0.76% | 0.53% (stronger) |
| Return on assets | 0.74% (stronger) | 0.57% |
| Loans ÷ deposits | 79.1% (stronger) | 98.0% |
| Uninsured deposits | 4.0% (stronger) | 6.3% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 42.3% |
Skypoint Federal Credit Union has the higher TellerScore (60 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Act 1st Federal Credit Union leads on 4 and Skypoint Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.