Side-by-side · Q2 2026 data
Auburn Community Federal Credit Union vs Beginnings Credit Union
Metric by metric
| Measure | Auburn Community Federal Credit Union | Beginnings Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 77 |
| Capital cushion | 73 | 90 (stronger) |
| Loan quality | 97 (stronger) | 77 |
| Earnings | 59 (stronger) | 49 |
| Funding & liquidity | 100 (stronger) | 78 |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 83rd | 82nd |
| Total assets | $126.5M | $1.5B |
| Deposits / shares | $108.7M | $1.3B |
| Capital ratio | 12.28% | 14.01% (stronger) |
| Problem loans | 0.08% (stronger) | 0.69% |
| Net charge-offs | 0.04% (stronger) | 0.39% |
| Return on assets | 0.99% (stronger) | 0.73% |
| Loans ÷ deposits | 36.8% (stronger) | 82.3% |
| Uninsured deposits | 3.3% (stronger) | 9.2% |
| Offices | 2 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.9% | — |
Auburn Community Federal Credit Union has the higher TellerScore (83 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Auburn Community Federal Credit Union leads on 6 and Beginnings Credit Union on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.