Side-by-side · Q2 2026 data
Advancial Federal Credit Union vs Austin Telco Federal Credit Union
Metric by metric
| Measure | Advancial Federal Credit Union | Austin Telco Federal Credit Union |
|---|---|---|
| TellerScore | 43 | 78 (stronger) |
| Capital cushion | 30 | 90 (stronger) |
| Loan quality | 56 | 88 (stronger) |
| Earnings | 30 | 44 (stronger) |
| Funding & liquidity | 44 | 72 (stronger) |
| Problem-loan coverage | 71 | 96 (stronger) |
| Peer percentile | 2nd | 84th |
| Total assets | $2.4B | $2.5B |
| Deposits / shares | $1.9B | $2.1B |
| Capital ratio | 7.98% | 14.04% (stronger) |
| Problem loans | 1.33% | 0.35% (stronger) |
| Net charge-offs | 0.74% | 0.26% (stronger) |
| Return on assets | 0.25% | 0.60% (stronger) |
| Loans ÷ deposits | 105.3% | 88.0% (stronger) |
| Uninsured deposits | 24.8% | 9.1% (stronger) |
| Offices | 8 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Austin Telco Federal Credit Union has the higher TellerScore (78 vs 43). On the 7 directional measures above (where higher or lower is clearly better), Advancial Federal Credit Union leads on 0 and Austin Telco Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.