Side-by-side · Q2 2026 data
First Watch Federal Credit Union vs Members Credit Union
Metric by metric
| Measure | First Watch Federal Credit Union | Members Credit Union |
|---|---|---|
| TellerScore | 66 | 74 (stronger) |
| Capital cushion | 43 | 63 (stronger) |
| Loan quality | 99 (stronger) | 77 |
| Earnings | 28 | 58 (stronger) |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 37th | 63rd |
| Total assets | $104.7M | $117.5M |
| Deposits / shares | $94.7M | $105.9M |
| Capital ratio | 9.33% | 11.27% (stronger) |
| Problem loans | 0.03% (stronger) | 0.68% |
| Net charge-offs | 0.14% (stronger) | 0.50% |
| Return on assets | 0.19% | 0.95% (stronger) |
| Loans ÷ deposits | 73.0% | 54.7% (stronger) |
| Uninsured deposits | 6.4% (stronger) | 11.1% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.8% | — |
Members Credit Union has the higher TellerScore (74 vs 66). On the 7 directional measures above (where higher or lower is clearly better), First Watch Federal Credit Union leads on 3 and Members Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.