Side-by-side · Q2 2026 data
Encompass Federal Credit Union vs First Trust Credit Union
Metric by metric
| Measure | Encompass Federal Credit Union | First Trust Credit Union |
|---|---|---|
| TellerScore | 52 | 63 (stronger) |
| Capital cushion | 44 | 84 (stronger) |
| Loan quality | 47 (stronger) | 0 |
| Earnings | 49 | 72 (stronger) |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 71 | 87 (stronger) |
| Peer percentile | 8th | 29th |
| Total assets | $240.7M | $191.6M |
| Deposits / shares | $216.9M | $165.4M |
| Capital ratio | 9.36% | 13.44% (stronger) |
| Problem loans | 1.60% (stronger) | 3.08% |
| Net charge-offs | 1.37% | 0.00% (stronger) |
| Return on assets | 0.71% | 1.30% (stronger) |
| Loans ÷ deposits | 93.7% | 32.1% (stronger) |
| Uninsured deposits | 11.9% | 1.4% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.0% | — |
First Trust Credit Union has the higher TellerScore (63 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Encompass Federal Credit Union leads on 1 and First Trust Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.