Side-by-side · Q2 2026 data
Currency Bank vs Formation Federal Credit Union
Credit union
Formation Federal Credit Union
Baton Rouge, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Currency Bank | Formation Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 76 |
| Capital cushion | 84 | 91 (stronger) |
| Loan quality | 95 (stronger) | 71 |
| Earnings | 98 (stronger) | 43 |
| Funding & liquidity | 50 | 88 (stronger) |
| Problem-loan coverage | 99 (stronger) | 87 |
| Peer percentile | 90th | 54th |
| Total assets | $248.5M | $93.0M |
| Deposits / shares | $203.2M | $79.6M |
| Capital ratio | 13.38% | 14.10% (stronger) |
| Problem loans | 0.14% (stronger) | 0.88% |
| Net charge-offs | -0.05% (stronger) | 0.89% |
| Return on assets | 1.95% (stronger) | 0.58% |
| Loans ÷ deposits | 93.0% | 72.2% (stronger) |
| Uninsured deposits | 30.3% | 5.8% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Currency Bank has the higher TellerScore (86 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Currency Bank leads on 4 and Formation Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.