Side-by-side · Q2 2026 data
First Commerce Credit Union vs Radiant Credit Union
Metric by metric
| Measure | First Commerce Credit Union | Radiant Credit Union |
|---|---|---|
| TellerScore | 65 | 65 |
| Capital cushion | 51 (stronger) | 45 |
| Loan quality | 83 | 84 (stronger) |
| Earnings | 47 (stronger) | 43 |
| Funding & liquidity | 68 | 85 (stronger) |
| Problem-loan coverage | 92 | 93 (stronger) |
| Peer percentile | 41st | 41st |
| Total assets | $1.2B | $1.1B |
| Deposits / shares | $1.1B | $969.4M |
| Capital ratio | 10.13% (stronger) | 9.50% |
| Problem loans | 0.50% | 0.47% (stronger) |
| Net charge-offs | 0.41% (stronger) | 0.63% |
| Return on assets | 0.68% (stronger) | 0.59% |
| Loans ÷ deposits | 92.7% | 75.3% (stronger) |
| Uninsured deposits | 9.2% | 7.5% (stronger) |
| Offices | 12 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.6% | 41.0% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), First Commerce Credit Union leads on 3 and Radiant Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.