Side-by-side · Q2 2026 data
Bank Independent vs Family Security Credit Union
Metric by metric
| Measure | Bank Independent | Family Security Credit Union |
|---|---|---|
| TellerScore | 65 | 95 (stronger) |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 93 (stronger) | 80 |
| Earnings | 45 | 99 (stronger) |
| Funding & liquidity | 55 | 100 (stronger) |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 36th | 100th |
| Total assets | $2.9B | $1.1B |
| Deposits / shares | $2.5B | $876.5M |
| Capital ratio | 9.82% | 19.92% (stronger) |
| Problem loans | 0.22% (stronger) | 0.61% |
| Net charge-offs | 0.24% (stronger) | 0.55% |
| Return on assets | 0.63% | 1.98% (stronger) |
| Loans ÷ deposits | 74.4% | 47.7% (stronger) |
| Uninsured deposits | 42.9% | 2.9% (stronger) |
| Offices | 30 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 37.5% |
Family Security Credit Union has the higher TellerScore (95 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Bank Independent leads on 2 and Family Security Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.