Side-by-side · Q2 2026 data
C T a F C Federal Credit Union vs Smartchoice Credit Union
Metric by metric
| Measure | C T a F C Federal Credit Union | Smartchoice Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 74 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 64 |
| Earnings | 0 | 43 (stronger) |
| Funding & liquidity | 100 (stronger) | 66 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 65th | 49th |
| Total assets | $756K | $787K |
| Deposits / shares | $628K | $548K |
| Capital ratio | 16.50% | 30.27% (stronger) |
| Problem loans | 0.00% (stronger) | 1.07% |
| Net charge-offs | 0.00% | -0.72% (stronger) |
| Return on assets | -2.80% | 0.56% (stronger) |
| Loans ÷ deposits | 26.2% (stronger) | 93.8% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
C T a F C Federal Credit Union has the higher TellerScore (80 vs 74). On the 6 directional measures above (where higher or lower is clearly better), C T a F C Federal Credit Union leads on 3 and Smartchoice Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.