Side-by-side · Q2 2026 data
Fremont Federal Credit Union vs Cardinal Credit Union, Inc.
Metric by metric
| Measure | Fremont Federal Credit Union | Cardinal Credit Union, Inc. |
|---|---|---|
| TellerScore | 74 (stronger) | 57 |
| Capital cushion | 77 (stronger) | 50 |
| Loan quality | 71 (stronger) | 63 |
| Earnings | 59 (stronger) | 33 |
| Funding & liquidity | 81 (stronger) | 76 |
| Problem-loan coverage | 91 (stronger) | 83 |
| Peer percentile | 63rd | 14th |
| Total assets | $391.4M | $365.7M |
| Deposits / shares | $334.8M | $325.6M |
| Capital ratio | 12.67% (stronger) | 10.00% |
| Problem loans | 0.86% (stronger) | 1.11% |
| Net charge-offs | 0.38% | 0.23% (stronger) |
| Return on assets | 0.98% (stronger) | 0.32% |
| Loans ÷ deposits | 79.0% (stronger) | 84.4% |
| Uninsured deposits | 7.4% | 3.3% (stronger) |
| Offices | 8 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.1% | 29.1% |
Fremont Federal Credit Union has the higher TellerScore (74 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Fremont Federal Credit Union leads on 5 and Cardinal Credit Union, Inc. on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.