Side-by-side · Q2 2026 data
Common Cents Federal Credit Union vs Fivepoint Credit Union
Credit union
Common Cents Federal Credit Union
Beaumont, Texas · Under $100 million in assets
Metric by metric
| Measure | Common Cents Federal Credit Union | Fivepoint Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 57 |
| Capital cushion | 71 (stronger) | 38 |
| Loan quality | 90 (stronger) | 75 |
| Earnings | 100 (stronger) | 38 |
| Funding & liquidity | 87 (stronger) | 72 |
| Problem-loan coverage | 97 (stronger) | 86 |
| Peer percentile | 83rd | 17th |
| Total assets | $34.2M | $1.1B |
| Deposits / shares | $30.0M | $1.0B |
| Capital ratio | 12.13% (stronger) | 8.78% |
| Problem loans | 0.30% (stronger) | 0.76% |
| Net charge-offs | 0.66% (stronger) | 0.76% |
| Return on assets | 2.37% (stronger) | 0.45% |
| Loans ÷ deposits | 73.0% (stronger) | 88.5% |
| Uninsured deposits | 1.9% (stronger) | 5.9% |
| Offices | 2 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 15.5% |
Common Cents Federal Credit Union has the higher TellerScore (87 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Common Cents Federal Credit Union leads on 7 and Fivepoint Credit Union on 0. 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.