Side-by-side · Q2 2026 data
Ferko Md Federal Credit Union vs Air Tech Credit Union
Credit union
Ferko Md Federal Credit Union
Frederick, Maryland · Under $100 million in assets
Metric by metric
| Measure | Ferko Md Federal Credit Union | Air Tech Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 85 |
| Capital cushion | 100 | 100 |
| Loan quality | 81 | 100 (stronger) |
| Earnings | 97 (stronger) | 27 |
| Funding & liquidity | 100 (stronger) | 98 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 95th | 77th |
| Total assets | $30.1M | $2.1M |
| Deposits / shares | $24.2M | $1.5M |
| Capital ratio | 19.44% | 27.62% (stronger) |
| Problem loans | 0.58% | 0.00% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.93% (stronger) | 0.18% |
| Loans ÷ deposits | 45.3% (stronger) | 62.3% |
| Uninsured deposits | 0.1% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ferko Md Federal Credit Union has the higher TellerScore (94 vs 85). On the 7 directional measures above (where higher or lower is clearly better), Ferko Md Federal Credit Union leads on 3 and Air Tech Credit Union on 4. 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.