Side-by-side · Q2 2026 data
Afena Federal Credit Union vs Independent Federal Credit Union
Credit union
Independent Federal Credit Union
Anderson, Indiana · Under $100 million in assets
Metric by metric
| Measure | Afena Federal Credit Union | Independent Federal Credit Union |
|---|---|---|
| TellerScore | 52 (stronger) | 45 |
| Capital cushion | 62 (stronger) | 60 |
| Loan quality | 50 (stronger) | 0 |
| Earnings | 1 | 35 (stronger) |
| Funding & liquidity | 86 | 94 (stronger) |
| Problem-loan coverage | 81 (stronger) | 62 |
| Peer percentile | 11th | 5th |
| Total assets | $97.6M | $93.6M |
| Deposits / shares | $85.6M | $83.1M |
| Capital ratio | 11.16% (stronger) | 10.95% |
| Problem loans | 1.49% (stronger) | 3.43% |
| Net charge-offs | 1.14% (stronger) | 1.37% |
| Return on assets | -0.46% | 0.38% (stronger) |
| Loans ÷ deposits | 74.3% | 65.9% (stronger) |
| Uninsured deposits | 4.7% | 2.5% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 17.5% |
Afena Federal Credit Union has the higher TellerScore (52 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Afena Federal Credit Union leads on 4 and Independent Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.