Side-by-side · Q2 2026 data
Directions Credit Union vs Kemba Credit Union
Metric by metric
| Measure | Directions Credit Union | Kemba Credit Union |
|---|---|---|
| TellerScore | 68 (stronger) | 65 |
| Capital cushion | 47 | 67 (stronger) |
| Loan quality | 88 (stronger) | 72 |
| Earnings | 65 (stronger) | 43 |
| Funding & liquidity | 67 (stronger) | 66 |
| Problem-loan coverage | 93 (stronger) | 87 |
| Peer percentile | 50th | 41st |
| Total assets | $1.4B | $1.7B |
| Deposits / shares | $1.2B | $1.5B |
| Capital ratio | 9.66% | 11.68% (stronger) |
| Problem loans | 0.37% (stronger) | 0.85% |
| Net charge-offs | 0.20% (stronger) | 0.46% |
| Return on assets | 1.14% (stronger) | 0.56% |
| Loans ÷ deposits | 93.1% (stronger) | 94.1% |
| Uninsured deposits | 5.0% (stronger) | 7.0% |
| Offices | 21 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.9% | 23.7% |
Directions Credit Union has the higher TellerScore (68 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Directions Credit Union leads on 6 and Kemba Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.