Side-by-side · Q2 2026 data
Commonwealth Federal Credit Union vs Transcend Credit Union
Metric by metric
| Measure | Commonwealth Federal Credit Union | Transcend Credit Union |
|---|---|---|
| TellerScore | 73 | 83 (stronger) |
| Capital cushion | 63 | 84 (stronger) |
| Loan quality | 71 | 96 (stronger) |
| Earnings | 82 (stronger) | 68 |
| Funding & liquidity | 76 (stronger) | 69 |
| Problem-loan coverage | 88 | 99 (stronger) |
| Peer percentile | 70th | 83rd |
| Total assets | $2.9B | $588.3M |
| Deposits / shares | $2.6B | $473.2M |
| Capital ratio | 11.26% | 13.37% (stronger) |
| Problem loans | 0.87% | 0.13% (stronger) |
| Net charge-offs | 0.94% | 0.18% (stronger) |
| Return on assets | 1.55% (stronger) | 1.19% |
| Loans ÷ deposits | 84.1% (stronger) | 91.0% |
| Uninsured deposits | 7.5% (stronger) | 9.8% |
| Offices | 15 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Transcend Credit Union has the higher TellerScore (83 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Commonwealth Federal Credit Union leads on 3 and Transcend Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.