Side-by-side · Q2 2026 data
Allegacy Financial Federal Credit Union vs Skyla Federal Credit Union
Credit union
Allegacy Financial Federal Credit Union
Winston Salem, North Carolina · $1 billion – $10 billion
Credit union
Skyla Federal Credit Union
Charlotte, North Carolina · $1 billion – $10 billion
Metric by metric
| Measure | Allegacy Financial Federal Credit Union | Skyla Federal Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 54 |
| Capital cushion | 64 (stronger) | 46 |
| Loan quality | 78 (stronger) | 56 |
| Earnings | 64 (stronger) | 42 |
| Funding & liquidity | 67 | 67 |
| Problem-loan coverage | 91 (stronger) | 78 |
| Peer percentile | 62nd | 11th |
| Total assets | $2.6B | $1.7B |
| Deposits / shares | $2.2B | $1.4B |
| Capital ratio | 11.44% (stronger) | 9.61% |
| Problem loans | 0.65% (stronger) | 1.32% |
| Net charge-offs | 0.22% (stronger) | 0.79% |
| Return on assets | 1.10% (stronger) | 0.56% |
| Loans ÷ deposits | 93.6% | 93.0% (stronger) |
| Uninsured deposits | 12.0% | 7.8% (stronger) |
| Offices | 10 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 41.1% |
Allegacy Financial Federal Credit Union has the higher TellerScore (71 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Allegacy Financial Federal Credit Union leads on 5 and Skyla Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.