Side-by-side · Q2 2026 data
Directions Credit Union vs Kemba Financial Credit Union
Metric by metric
| Measure | Directions Credit Union | Kemba Financial Credit Union |
|---|---|---|
| TellerScore | 68 | 74 (stronger) |
| Capital cushion | 47 | 76 (stronger) |
| Loan quality | 88 (stronger) | 81 |
| Earnings | 65 (stronger) | 57 |
| Funding & liquidity | 67 | 68 (stronger) |
| Problem-loan coverage | 93 | 93 |
| Peer percentile | 50th | 72nd |
| Total assets | $1.4B | $2.5B |
| Deposits / shares | $1.2B | $2.1B |
| Capital ratio | 9.66% | 12.57% (stronger) |
| Problem loans | 0.37% (stronger) | 0.58% |
| Net charge-offs | 0.20% (stronger) | 0.60% |
| Return on assets | 1.14% (stronger) | 0.93% |
| Loans ÷ deposits | 93.1% | 92.4% (stronger) |
| Uninsured deposits | 5.0% (stronger) | 6.8% |
| Offices | 21 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.9% | 34.2% |
Kemba Financial Credit Union has the higher TellerScore (74 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Directions Credit Union leads on 4 and Kemba Financial Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.