Side-by-side · Q2 2026 data
Florida a & M University Federal Credit Union vs Loyalty Credit Union
Credit union
Florida a & M University Federal Credit Union
Tallahassee, Florida · Under $100 million in assets
Metric by metric
| Measure | Florida a & M University Federal Credit Union | Loyalty Credit Union |
|---|---|---|
| TellerScore | 43 | 75 (stronger) |
| Capital cushion | 69 (stronger) | 66 |
| Loan quality | 0 | 78 (stronger) |
| Earnings | 0 | 59 (stronger) |
| Funding & liquidity | 100 (stronger) | 97 |
| Problem-loan coverage | 77 | 94 (stronger) |
| Peer percentile | 4th | 66th |
| Total assets | $28.0M | $300.3M |
| Deposits / shares | $23.8M | $263.8M |
| Capital ratio | 11.88% (stronger) | 11.61% |
| Problem loans | 3.46% | 0.66% (stronger) |
| Net charge-offs | 1.79% | 0.88% (stronger) |
| Return on assets | -1.78% | 0.98% (stronger) |
| Loans ÷ deposits | 44.5% (stronger) | 63.4% |
| Uninsured deposits | 3.0% | 0.0% (stronger) |
| Offices | 1 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.7% |
Loyalty Credit Union has the higher TellerScore (75 vs 43). On the 7 directional measures above (where higher or lower is clearly better), Florida a & M University Federal Credit Union leads on 2 and Loyalty Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.