Side-by-side · Q2 2026 data
Delta Refining Co Emp Federal Credit Union vs Light Commerce Credit Union
Credit union
Delta Refining Co Emp Federal Credit Union
Memphis, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Delta Refining Co Emp Federal Credit Union | Light Commerce Credit Union |
|---|---|---|
| TellerScore | 80 | 92 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 69 |
| Earnings | 0 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 98 |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 65th | 92nd |
| Total assets | $4.6M | $5.0M |
| Deposits / shares | $3.6M | $3.6M |
| Capital ratio | 21.36% | 26.81% (stronger) |
| Problem loans | 0.00% (stronger) | 0.93% |
| Net charge-offs | 0.03% (stronger) | 0.57% |
| Return on assets | -0.59% | 2.37% (stronger) |
| Loans ÷ deposits | 27.7% (stronger) | 62.1% |
| Uninsured deposits | 0.0% (stronger) | 0.4% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Light Commerce Credit Union has the higher TellerScore (92 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Delta Refining Co Emp Federal Credit Union leads on 4 and Light Commerce Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.