Side-by-side · Q2 2026 data
Epic Federal Credit Union vs Xplore Federal Credit Union
Metric by metric
| Measure | Epic Federal Credit Union | Xplore Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 67 (stronger) |
| Capital cushion | 96 (stronger) | 70 |
| Loan quality | 30 | 87 (stronger) |
| Earnings | 33 (stronger) | 23 |
| Funding & liquidity | 64 | 71 (stronger) |
| Problem-loan coverage | 72 | 94 (stronger) |
| Peer percentile | 21st | 41st |
| Total assets | $164.5M | $147.1M |
| Deposits / shares | $138.1M | $117.7M |
| Capital ratio | 14.60% (stronger) | 11.99% |
| Problem loans | 2.10% | 0.38% (stronger) |
| Net charge-offs | 0.83% | 0.29% (stronger) |
| Return on assets | 0.33% (stronger) | 0.08% |
| Loans ÷ deposits | 95.8% | 89.0% (stronger) |
| Uninsured deposits | 2.6% (stronger) | 4.7% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 21.1% |
Xplore Federal Credit Union has the higher TellerScore (67 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Epic Federal Credit Union leads on 3 and Xplore Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.