Side-by-side · Q2 2026 data
First Financial Federal Credit Union vs Xcel Federal Credit Union
Metric by metric
| Measure | First Financial Federal Credit Union | Xcel Federal Credit Union |
|---|---|---|
| TellerScore | 38 | 61 (stronger) |
| Capital cushion | 33 | 59 (stronger) |
| Loan quality | 7 | 67 (stronger) |
| Earnings | 36 (stronger) | 26 |
| Funding & liquidity | 92 (stronger) | 85 |
| Problem-loan coverage | 54 | 88 (stronger) |
| Peer percentile | 1st | 24th |
| Total assets | $176.1M | $185.8M |
| Deposits / shares | $162.6M | $167.9M |
| Capital ratio | 8.30% | 10.93% (stronger) |
| Problem loans | 2.78% | 0.99% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.32% |
| Return on assets | 0.40% (stronger) | 0.14% |
| Loans ÷ deposits | 68.0% (stronger) | 74.9% |
| Uninsured deposits | 3.8% (stronger) | 8.6% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 26.8% |
Xcel Federal Credit Union has the higher TellerScore (61 vs 38). On the 7 directional measures above (where higher or lower is clearly better), First Financial Federal Credit Union leads on 4 and Xcel Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.