Side-by-side · Q2 2026 data
Doy Federal Credit Union vs Millstream Area Credit Union
Metric by metric
| Measure | Doy Federal Credit Union | Millstream Area Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 82 |
| Capital cushion | 91 (stronger) | 76 |
| Loan quality | 92 (stronger) | 78 |
| Earnings | 50 | 77 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 77th | 70th |
| Total assets | $70.8M | $70.8M |
| Deposits / shares | $60.8M | $61.3M |
| Capital ratio | 14.12% (stronger) | 12.64% |
| Problem loans | 0.25% (stronger) | 0.66% |
| Net charge-offs | 0.00% (stronger) | 0.38% |
| Return on assets | 0.75% | 1.41% (stronger) |
| Loans ÷ deposits | 44.9% (stronger) | 55.9% |
| Uninsured deposits | 4.5% | 0.0% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Doy Federal Credit Union has the higher TellerScore (85 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Doy Federal Credit Union leads on 5 and Millstream Area Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.