Side-by-side · Q2 2026 data
Air Academy Federal Credit Union vs On Tap Credit Union
Credit union
Air Academy Federal Credit Union
Colorado Spring, Colorado · $100 million – $1 billion
Metric by metric
| Measure | Air Academy Federal Credit Union | On Tap Credit Union |
|---|---|---|
| TellerScore | 59 | 65 (stronger) |
| Capital cushion | 35 | 42 (stronger) |
| Loan quality | 86 (stronger) | 54 |
| Earnings | 35 | 100 (stronger) |
| Funding & liquidity | 70 | 71 (stronger) |
| Problem-loan coverage | 91 (stronger) | 80 |
| Peer percentile | 19th | 34th |
| Total assets | $810.4M | $474.0M |
| Deposits / shares | $720.0M | $391.8M |
| Capital ratio | 8.49% | 9.21% (stronger) |
| Problem loans | 0.41% (stronger) | 1.38% |
| Net charge-offs | 0.59% | 0.46% (stronger) |
| Return on assets | 0.36% | 2.26% (stronger) |
| Loans ÷ deposits | 89.9% | 78.1% (stronger) |
| Uninsured deposits | 3.9% (stronger) | 25.2% |
| Offices | 10 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.0% | 29.2% |
On Tap Credit Union has the higher TellerScore (65 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Air Academy Federal Credit Union leads on 2 and On Tap Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.