Side-by-side · Q2 2026 data
Galaxy Federal Credit Union vs Access Credit Union
Credit union
Galaxy Federal Credit Union
Franklin, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Galaxy Federal Credit Union | Access Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 78 |
| Capital cushion | 100 (stronger) | 68 |
| Loan quality | 91 | 95 (stronger) |
| Earnings | 39 | 45 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 77th | 59th |
| Total assets | $72.6M | $70.3M |
| Deposits / shares | $59.8M | $62.1M |
| Capital ratio | 17.27% (stronger) | 11.75% |
| Problem loans | 0.27% | 0.16% (stronger) |
| Net charge-offs | 0.16% (stronger) | 0.37% |
| Return on assets | 0.47% | 0.61% (stronger) |
| Loans ÷ deposits | 52.8% | 51.0% (stronger) |
| Uninsured deposits | 6.1% | 6.1% (stronger) |
| Offices | 0 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Galaxy Federal Credit Union has the higher TellerScore (85 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Galaxy Federal Credit Union leads on 3 and Access Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.