Side-by-side · Q2 2026 data
Beacon Community Credit Union vs Transcend Credit Union
Metric by metric
| Measure | Beacon Community Credit Union | Transcend Credit Union |
|---|---|---|
| TellerScore | 72 | 83 (stronger) |
| Capital cushion | 73 | 84 (stronger) |
| Loan quality | 85 | 96 (stronger) |
| Earnings | 21 | 68 (stronger) |
| Funding & liquidity | 100 (stronger) | 69 |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 44th | 83rd |
| Total assets | $72.1M | $588.3M |
| Deposits / shares | $62.9M | $473.2M |
| Capital ratio | 12.29% | 13.37% (stronger) |
| Problem loans | 0.44% | 0.13% (stronger) |
| Net charge-offs | 1.63% | 0.18% (stronger) |
| Return on assets | 0.03% | 1.19% (stronger) |
| Loans ÷ deposits | 46.2% (stronger) | 91.0% |
| Uninsured deposits | 3.9% (stronger) | 9.8% |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Transcend Credit Union has the higher TellerScore (83 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Beacon Community Credit Union leads on 2 and Transcend Credit Union on 5. 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.