Side-by-side · Q2 2026 data
Apci Federal Credit Union vs Ardent Federal Credit Union
Metric by metric
| Measure | Apci Federal Credit Union | Ardent Federal Credit Union |
|---|---|---|
| TellerScore | 70 (stronger) | 64 |
| Capital cushion | 41 | 51 (stronger) |
| Loan quality | 97 (stronger) | 82 |
| Earnings | 41 (stronger) | 29 |
| Funding & liquidity | 100 (stronger) | 84 |
| Problem-loan coverage | 99 (stronger) | 93 |
| Peer percentile | 51st | 31st |
| Total assets | $678.2M | $869.3M |
| Deposits / shares | $615.7M | $746.0M |
| Capital ratio | 9.11% | 10.11% (stronger) |
| Problem loans | 0.09% (stronger) | 0.53% |
| Net charge-offs | 0.03% (stronger) | 0.27% |
| Return on assets | 0.52% (stronger) | 0.23% |
| Loans ÷ deposits | 49.2% (stronger) | 76.1% |
| Uninsured deposits | 10.5% (stronger) | 11.0% |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.0% | 18.6% |
Apci Federal Credit Union has the higher TellerScore (70 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Apci Federal Credit Union leads on 6 and Ardent Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.