Side-by-side · Q2 2026 data
First Capital Federal Credit Union vs Belco Community Credit Union
Metric by metric
| Measure | First Capital Federal Credit Union | Belco Community Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 72 |
| Capital cushion | 70 (stronger) | 57 |
| Loan quality | 93 (stronger) | 81 |
| Earnings | 63 (stronger) | 58 |
| Funding & liquidity | 94 (stronger) | 91 |
| Problem-loan coverage | 98 (stronger) | 93 |
| Peer percentile | 80th | 57th |
| Total assets | $368.5M | $974.4M |
| Deposits / shares | $322.4M | $879.4M |
| Capital ratio | 11.95% (stronger) | 10.74% |
| Problem loans | 0.20% (stronger) | 0.56% |
| Net charge-offs | 0.12% (stronger) | 0.52% |
| Return on assets | 1.07% (stronger) | 0.95% |
| Loans ÷ deposits | 66.6% (stronger) | 69.0% |
| Uninsured deposits | 3.7% (stronger) | 3.9% |
| Offices | 5 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.7% | 31.6% |
First Capital Federal Credit Union has the higher TellerScore (81 vs 72). On the 7 directional measures above (where higher or lower is clearly better), First Capital Federal Credit Union leads on 7 and Belco Community Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.