Side-by-side · Q2 2026 data
Ardent Federal Credit Union vs Armco Credit Union
Metric by metric
| Measure | Ardent Federal Credit Union | Armco Credit Union |
|---|---|---|
| TellerScore | 64 | 79 (stronger) |
| Capital cushion | 51 | 87 (stronger) |
| Loan quality | 82 | 82 |
| Earnings | 29 | 58 (stronger) |
| Funding & liquidity | 84 (stronger) | 78 |
| Problem-loan coverage | 93 | 94 (stronger) |
| Peer percentile | 31st | 76th |
| Total assets | $869.3M | $719.5M |
| Deposits / shares | $746.0M | $622.4M |
| Capital ratio | 10.11% | 13.66% (stronger) |
| Problem loans | 0.53% (stronger) | 0.55% |
| Net charge-offs | 0.27% | 0.07% (stronger) |
| Return on assets | 0.23% | 0.96% (stronger) |
| Loans ÷ deposits | 76.1% (stronger) | 82.5% |
| Uninsured deposits | 11.0% | 3.7% (stronger) |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | 11.3% |
Armco Credit Union has the higher TellerScore (79 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Ardent Federal Credit Union leads on 2 and Armco Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.