Side-by-side · Q2 2026 data
Chemcel Federal Credit Union vs Kelly Community Federal Credit Union
Metric by metric
| Measure | Chemcel Federal Credit Union | Kelly Community Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 75 (stronger) |
| Capital cushion | 71 | 76 (stronger) |
| Loan quality | 75 (stronger) | 73 |
| Earnings | 52 | 73 (stronger) |
| Funding & liquidity | 96 (stronger) | 72 |
| Problem-loan coverage | 93 (stronger) | 90 |
| Peer percentile | 63rd | 66th |
| Total assets | $184.0M | $189.4M |
| Deposits / shares | $159.9M | $161.4M |
| Capital ratio | 12.11% | 12.64% (stronger) |
| Problem loans | 0.75% (stronger) | 0.82% |
| Net charge-offs | 0.82% | 0.49% (stronger) |
| Return on assets | 0.80% | 1.33% (stronger) |
| Loans ÷ deposits | 64.1% (stronger) | 87.9% |
| Uninsured deposits | 4.2% | 3.2% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 34.0% |
Kelly Community Federal Credit Union has the higher TellerScore (75 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Chemcel Federal Credit Union leads on 2 and Kelly Community Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.