Side-by-side · Q2 2026 data
Fort Smith Teachers Federal Credit Union vs Combined Federal Credit Union
Credit union
Fort Smith Teachers Federal Credit Union
Fort Smith, Arkansas · Under $100 million in assets
Credit union
Combined Federal Credit Union
Hot Springs, Arkansas · Under $100 million in assets
Metric by metric
| Measure | Fort Smith Teachers Federal Credit Union | Combined Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 68 |
| Capital cushion | 100 (stronger) | 87 |
| Loan quality | 90 (stronger) | 31 |
| Earnings | 60 | 77 (stronger) |
| Funding & liquidity | 100 (stronger) | 73 |
| Problem-loan coverage | 99 (stronger) | 78 |
| Peer percentile | 87th | 36th |
| Total assets | $13.1M | $8.9M |
| Deposits / shares | $10.0M | $7.6M |
| Capital ratio | 23.56% (stronger) | 13.71% |
| Problem loans | 0.31% (stronger) | 2.08% |
| Net charge-offs | 0.00% | -0.05% (stronger) |
| Return on assets | 0.99% | 1.43% (stronger) |
| Loans ÷ deposits | 41.5% (stronger) | 87.6% |
| Uninsured deposits | 0.0% (stronger) | 1.2% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Fort Smith Teachers Federal Credit Union has the higher TellerScore (89 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Fort Smith Teachers Federal Credit Union leads on 5 and Combined Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.