Side-by-side · Q2 2026 data
First Capital Federal Credit Union vs 1st Ed Credit Union
Metric by metric
| Measure | First Capital Federal Credit Union | 1st Ed Credit Union |
|---|---|---|
| TellerScore | 81 | 83 (stronger) |
| Capital cushion | 70 | 100 (stronger) |
| Loan quality | 93 (stronger) | 83 |
| Earnings | 63 (stronger) | 37 |
| Funding & liquidity | 94 | 100 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 80th | 83rd |
| Total assets | $368.5M | $138.2M |
| Deposits / shares | $322.4M | $117.3M |
| Capital ratio | 11.95% | 15.87% (stronger) |
| Problem loans | 0.20% (stronger) | 0.50% |
| Net charge-offs | 0.12% | 0.01% (stronger) |
| Return on assets | 1.07% (stronger) | 0.42% |
| Loans ÷ deposits | 66.6% | 36.9% (stronger) |
| Uninsured deposits | 3.7% | 2.8% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.7% | 23.5% |
1st Ed Credit Union has the higher TellerScore (83 vs 81). On the 7 directional measures above (where higher or lower is clearly better), First Capital Federal Credit Union leads on 2 and 1st Ed Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.