Side-by-side · Q2 2026 data
Chemcel Federal Credit Union vs First Central Credit Union
Metric by metric
| Measure | Chemcel Federal Credit Union | First Central Credit Union |
|---|---|---|
| TellerScore | 74 | 76 (stronger) |
| Capital cushion | 71 | 100 (stronger) |
| Loan quality | 75 (stronger) | 35 |
| Earnings | 52 | 68 (stronger) |
| Funding & liquidity | 96 | 99 (stronger) |
| Problem-loan coverage | 93 (stronger) | 85 |
| Peer percentile | 63rd | 68th |
| Total assets | $184.0M | $191.7M |
| Deposits / shares | $159.9M | $160.2M |
| Capital ratio | 12.11% | 16.35% (stronger) |
| Problem loans | 0.75% (stronger) | 1.95% |
| Net charge-offs | 0.82% | 0.75% (stronger) |
| Return on assets | 0.80% | 1.19% (stronger) |
| Loans ÷ deposits | 64.1% | 61.3% (stronger) |
| Uninsured deposits | 4.2% (stronger) | 5.1% |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 16.0% |
First Central Credit Union has the higher TellerScore (76 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Chemcel Federal Credit Union leads on 2 and First Central Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.