Side-by-side · Q2 2026 data
Beacon Federal Credit Union vs Access Community Credit Union
Metric by metric
| Measure | Beacon Federal Credit Union | Access Community Credit Union |
|---|---|---|
| TellerScore | 63 | 66 (stronger) |
| Capital cushion | 37 | 56 (stronger) |
| Loan quality | 86 | 91 (stronger) |
| Earnings | 31 | 47 (stronger) |
| Funding & liquidity | 100 (stronger) | 50 |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 29th | 37th |
| Total assets | $214.7M | $210.9M |
| Deposits / shares | $197.1M | $160.7M |
| Capital ratio | 8.74% | 10.55% (stronger) |
| Problem loans | 0.41% | 0.27% (stronger) |
| Net charge-offs | 0.44% | 0.12% (stronger) |
| Return on assets | 0.27% | 0.68% (stronger) |
| Loans ÷ deposits | 50.0% (stronger) | 116.7% |
| Uninsured deposits | 4.3% (stronger) | 8.5% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.7% | 6.5% |
Access Community Credit Union has the higher TellerScore (66 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Beacon Federal Credit Union leads on 2 and Access Community Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.