Side-by-side · Q2 2026 data
Clearwater Federal Credit Union vs Intrepid Credit Union
Metric by metric
| Measure | Clearwater Federal Credit Union | Intrepid Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 71 |
| Capital cushion | 78 (stronger) | 61 |
| Loan quality | 78 | 85 (stronger) |
| Earnings | 65 (stronger) | 47 |
| Funding & liquidity | 71 | 81 (stronger) |
| Problem-loan coverage | 92 | 94 (stronger) |
| Peer percentile | 79th | 54th |
| Total assets | $1.2B | $310.8M |
| Deposits / shares | $945.2M | $268.6M |
| Capital ratio | 12.83% (stronger) | 11.06% |
| Problem loans | 0.67% | 0.44% (stronger) |
| Net charge-offs | 0.34% | 0.27% (stronger) |
| Return on assets | 1.12% (stronger) | 0.68% |
| Loans ÷ deposits | 89.2% | 79.2% (stronger) |
| Uninsured deposits | 5.9% | 0.0% (stronger) |
| Offices | 11 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.9% | 15.7% |
Clearwater Federal Credit Union has the higher TellerScore (76 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Clearwater Federal Credit Union leads on 3 and Intrepid Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.