Side-by-side · Q2 2026 data
Financial Security Credit Union vs Loco Credit Union
Credit union
Financial Security Credit Union
Carlsbad, New Mexico · Under $100 million in assets
Metric by metric
| Measure | Financial Security Credit Union | Loco Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 46 |
| Capital cushion | 100 (stronger) | 80 |
| Loan quality | 77 (stronger) | 0 |
| Earnings | 58 (stronger) | 4 |
| Funding & liquidity | 71 | 92 (stronger) |
| Problem-loan coverage | 94 (stronger) | 78 |
| Peer percentile | 68th | 6th |
| Total assets | $63.6M | $60.8M |
| Deposits / shares | $52.8M | $52.3M |
| Capital ratio | 16.62% (stronger) | 12.95% |
| Problem loans | 0.69% (stronger) | 3.20% |
| Net charge-offs | -0.01% (stronger) | 1.80% |
| Return on assets | 0.96% (stronger) | -0.40% |
| Loans ÷ deposits | 88.9% | 46.1% (stronger) |
| Uninsured deposits | 6.4% (stronger) | 22.3% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Financial Security Credit Union has the higher TellerScore (81 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Financial Security Credit Union leads on 6 and Loco Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.