Side-by-side · Q2 2026 data
First Commerce Credit Union vs Tropical Financial Credit Union
Metric by metric
| Measure | First Commerce Credit Union | Tropical Financial Credit Union |
|---|---|---|
| TellerScore | 65 (stronger) | 58 |
| Capital cushion | 51 (stronger) | 45 |
| Loan quality | 83 (stronger) | 71 |
| Earnings | 47 (stronger) | 44 |
| Funding & liquidity | 68 (stronger) | 65 |
| Problem-loan coverage | 92 (stronger) | 83 |
| Peer percentile | 41st | 19th |
| Total assets | $1.2B | $1.0B |
| Deposits / shares | $1.1B | $884.2M |
| Capital ratio | 10.13% (stronger) | 9.47% |
| Problem loans | 0.50% (stronger) | 0.88% |
| Net charge-offs | 0.41% (stronger) | 0.59% |
| Return on assets | 0.68% (stronger) | 0.61% |
| Loans ÷ deposits | 92.7% (stronger) | 95.2% |
| Uninsured deposits | 9.2% | 7.7% (stronger) |
| Offices | 12 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.6% | 47.5% |
First Commerce Credit Union has the higher TellerScore (65 vs 58). On the 7 directional measures above (where higher or lower is clearly better), First Commerce Credit Union leads on 6 and Tropical Financial Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.