Side-by-side · Q2 2026 data
Diversified Members Credit Union vs The Local Credit Union
Metric by metric
| Measure | Diversified Members Credit Union | The Local Credit Union |
|---|---|---|
| TellerScore | 67 | 92 (stronger) |
| Capital cushion | 97 | 100 (stronger) |
| Loan quality | 42 | 91 (stronger) |
| Earnings | 22 | 74 (stronger) |
| Funding & liquidity | 96 | 100 (stronger) |
| Problem-loan coverage | 89 | 99 (stronger) |
| Peer percentile | 41st | 97th |
| Total assets | $588.5M | $106.6M |
| Deposits / shares | $455.6M | $89.9M |
| Capital ratio | 14.71% | 16.07% (stronger) |
| Problem loans | 1.73% | 0.26% (stronger) |
| Net charge-offs | 0.90% | 0.42% (stronger) |
| Return on assets | 0.05% | 1.35% (stronger) |
| Loans ÷ deposits | 57.5% | 46.7% (stronger) |
| Uninsured deposits | 18.5% | 7.5% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Local Credit Union has the higher TellerScore (92 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Diversified Members Credit Union leads on 0 and The Local Credit Union on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.