Side-by-side · Q2 2026 data
Ardent Federal Credit Union vs Belco Community Credit Union
Metric by metric
| Measure | Ardent Federal Credit Union | Belco Community Credit Union |
|---|---|---|
| TellerScore | 64 | 72 (stronger) |
| Capital cushion | 51 | 57 (stronger) |
| Loan quality | 82 (stronger) | 81 |
| Earnings | 29 | 58 (stronger) |
| Funding & liquidity | 84 | 91 (stronger) |
| Problem-loan coverage | 93 | 93 |
| Peer percentile | 31st | 57th |
| Total assets | $869.3M | $974.4M |
| Deposits / shares | $746.0M | $879.4M |
| Capital ratio | 10.11% | 10.74% (stronger) |
| Problem loans | 0.53% (stronger) | 0.56% |
| Net charge-offs | 0.27% (stronger) | 0.52% |
| Return on assets | 0.23% | 0.95% (stronger) |
| Loans ÷ deposits | 76.1% | 69.0% (stronger) |
| Uninsured deposits | 11.0% | 3.9% (stronger) |
| Offices | 8 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | 31.6% |
Belco Community Credit Union has the higher TellerScore (72 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Ardent Federal Credit Union leads on 2 and Belco Community Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.