Side-by-side · Q2 2026 data
Encompass Federal Credit Union vs Regional Federal Credit Union
Metric by metric
| Measure | Encompass Federal Credit Union | Regional Federal Credit Union |
|---|---|---|
| TellerScore | 52 | 68 (stronger) |
| Capital cushion | 44 | 86 (stronger) |
| Loan quality | 47 | 64 (stronger) |
| Earnings | 49 (stronger) | 32 |
| Funding & liquidity | 67 | 76 (stronger) |
| Problem-loan coverage | 71 | 88 (stronger) |
| Peer percentile | 8th | 45th |
| Total assets | $240.7M | $180.1M |
| Deposits / shares | $216.9M | $157.7M |
| Capital ratio | 9.36% | 13.55% (stronger) |
| Problem loans | 1.60% | 1.07% (stronger) |
| Net charge-offs | 1.37% | 0.49% (stronger) |
| Return on assets | 0.71% (stronger) | 0.30% |
| Loans ÷ deposits | 93.7% | 83.9% (stronger) |
| Uninsured deposits | 11.9% | 1.6% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.0% | 12.7% |
Regional Federal Credit Union has the higher TellerScore (68 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Encompass Federal Credit Union leads on 1 and Regional Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.