Side-by-side · Q2 2026 data
Bank of Wolcott vs Industrial Federal Credit Union
Metric by metric
| Measure | Bank of Wolcott | Industrial Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 71 |
| Capital cushion | 70 (stronger) | 42 |
| Loan quality | 86 | 86 |
| Earnings | 88 (stronger) | 76 |
| Funding & liquidity | 73 | 82 (stronger) |
| Problem-loan coverage | 95 (stronger) | 93 |
| Peer percentile | 80th | 54th |
| Total assets | $280.3M | $356.1M |
| Deposits / shares | $234.2M | $320.0M |
| Capital ratio | 12.01% (stronger) | 9.22% |
| Problem loans | 0.43% | 0.41% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.42% |
| Return on assets | 1.69% (stronger) | 1.40% |
| Loans ÷ deposits | 60.2% (stronger) | 78.0% |
| Uninsured deposits | 39.2% | 2.9% (stronger) |
| Offices | 3 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 12.3% |
Bank of Wolcott has the higher TellerScore (81 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Bank of Wolcott leads on 5 and Industrial Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.