Side-by-side · Q2 2026 data
Excel Federal Credit Union vs Aflac Federal Credit Union
Metric by metric
| Measure | Excel Federal Credit Union | Aflac Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 86 (stronger) |
| Capital cushion | 86 | 100 (stronger) |
| Loan quality | 83 (stronger) | 45 |
| Earnings | 67 | 100 (stronger) |
| Funding & liquidity | 61 | 100 (stronger) |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 76th | 89th |
| Total assets | $174.0M | $133.8M |
| Deposits / shares | $113.8M | $81.7M |
| Capital ratio | 13.60% | 38.85% (stronger) |
| Problem loans | 0.50% (stronger) | 1.66% |
| Net charge-offs | 0.14% | 0.05% (stronger) |
| Return on assets | 1.16% | 2.65% (stronger) |
| Loans ÷ deposits | 99.2% | 15.9% (stronger) |
| Uninsured deposits | 4.2% (stronger) | 7.3% |
| Offices | 2 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Aflac Federal Credit Union has the higher TellerScore (86 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Excel Federal Credit Union leads on 2 and Aflac Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.