Side-by-side · Q2 2026 data
F.C.I. Ashland Federal Credit Union vs Members Choice Credit Union
Credit union
F.C.I. Ashland Federal Credit Union
Ashland, Kentucky · Under $100 million in assets
Metric by metric
| Measure | F.C.I. Ashland Federal Credit Union | Members Choice Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 59 |
| Capital cushion | 93 (stronger) | 34 |
| Loan quality | 100 (stronger) | 75 |
| Earnings | 23 | 45 (stronger) |
| Funding & liquidity | 92 (stronger) | 83 |
| Problem-loan coverage | 100 (stronger) | 87 |
| Peer percentile | 68th | 19th |
| Total assets | $8.8M | $430.8M |
| Deposits / shares | $7.5M | $388.4M |
| Capital ratio | 14.25% (stronger) | 8.38% |
| Problem loans | 0.00% (stronger) | 0.76% |
| Net charge-offs | 0.00% (stronger) | 0.50% |
| Return on assets | 0.07% | 0.64% (stronger) |
| Loans ÷ deposits | 68.5% (stronger) | 77.0% |
| Uninsured deposits | 0.0% (stronger) | 8.9% |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
F.C.I. Ashland Federal Credit Union has the higher TellerScore (81 vs 59). On the 7 directional measures above (where higher or lower is clearly better), F.C.I. Ashland Federal Credit Union leads on 6 and Members Choice Credit Union on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.