Side-by-side · Q2 2026 data
Bank of Cadiz and Trust Company vs Main Impact Federal Credit Union
Metric by metric
| Measure | Bank of Cadiz and Trust Company | Main Impact Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 74 |
| Capital cushion | 41 | 55 (stronger) |
| Loan quality | 100 (stronger) | 99 |
| Earnings | 60 (stronger) | 45 |
| Funding & liquidity | 98 (stronger) | 91 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 57th | 49th |
| Total assets | $142.9M | $23.3M |
| Deposits / shares | $137.9M | $20.8M |
| Capital ratio | 9.07% | 10.47% (stronger) |
| Problem loans | 0.00% (stronger) | 0.03% |
| Net charge-offs | 0.38% | 0.16% (stronger) |
| Return on assets | 0.99% (stronger) | 0.63% |
| Loans ÷ deposits | 61.9% (stronger) | 68.8% |
| Uninsured deposits | 9.3% | 2.1% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Bank of Cadiz and Trust Company leads on 3 and Main Impact Federal Credit Union on 3. 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.