Side-by-side · Q2 2026 data
Alcoa Tenn Federal Credit Union vs Memphis City Employees Credit Union
Metric by metric
| Measure | Alcoa Tenn Federal Credit Union | Memphis City Employees Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 81 |
| Capital cushion | 89 | 95 (stronger) |
| Loan quality | 65 | 79 (stronger) |
| Earnings | 88 (stronger) | 42 |
| Funding & liquidity | 94 | 97 (stronger) |
| Problem-loan coverage | 90 | 95 (stronger) |
| Peer percentile | 86th | 80th |
| Total assets | $426.9M | $502.5M |
| Deposits / shares | $367.4M | $420.2M |
| Capital ratio | 13.88% | 14.48% (stronger) |
| Problem loans | 1.05% | 0.63% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.55% |
| Return on assets | 1.69% (stronger) | 0.55% |
| Loans ÷ deposits | 66.0% | 63.1% (stronger) |
| Uninsured deposits | 2.4% (stronger) | 2.9% |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.4% | 21.3% |
Alcoa Tenn Federal Credit Union has the higher TellerScore (84 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Alcoa Tenn Federal Credit Union leads on 4 and Memphis City Employees Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.