Side-by-side · Q2 2026 data
Circle Federal Credit Union vs The Local Credit Union
Metric by metric
| Measure | Circle Federal Credit Union | The Local Credit Union |
|---|---|---|
| TellerScore | 68 | 92 (stronger) |
| Capital cushion | 41 | 100 (stronger) |
| Loan quality | 92 (stronger) | 91 |
| Earnings | 52 | 74 (stronger) |
| Funding & liquidity | 84 | 100 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 45th | 97th |
| Total assets | $117.4M | $106.6M |
| Deposits / shares | $105.6M | $89.9M |
| Capital ratio | 9.14% | 16.07% (stronger) |
| Problem loans | 0.25% (stronger) | 0.26% |
| Net charge-offs | 0.04% (stronger) | 0.42% |
| Return on assets | 0.79% | 1.35% (stronger) |
| Loans ÷ deposits | 76.0% | 46.7% (stronger) |
| Uninsured deposits | 5.1% (stronger) | 7.5% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
The Local Credit Union has the higher TellerScore (92 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Circle Federal Credit Union leads on 3 and The Local Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.