Side-by-side · Q2 2026 data
Cal-Com Federal Credit Union vs J.C.T. Federal Credit Union
Metric by metric
| Measure | Cal-Com Federal Credit Union | J.C.T. Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 80 |
| Capital cushion | 75 | 77 (stronger) |
| Loan quality | 97 | 100 (stronger) |
| Earnings | 56 (stronger) | 36 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 83rd | 65th |
| Total assets | $225.8M | $10.0M |
| Deposits / shares | $198.4M | $8.7M |
| Capital ratio | 12.47% | 12.67% (stronger) |
| Problem loans | 0.09% | 0.00% (stronger) |
| Net charge-offs | 0.48% | 0.00% (stronger) |
| Return on assets | 0.91% (stronger) | 0.40% |
| Loans ÷ deposits | 59.5% | 50.1% (stronger) |
| Uninsured deposits | 6.0% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cal-Com Federal Credit Union has the higher TellerScore (83 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Cal-Com Federal Credit Union leads on 2 and J.C.T. Federal 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.