Side-by-side · Q2 2026 data
I-C Federal Credit Union vs Align Credit Union
Credit union
I-C Federal Credit Union
Fitchburg, Massachusetts · $100 million – $1 billion
Metric by metric
| Measure | I-C Federal Credit Union | Align Credit Union |
|---|---|---|
| TellerScore | 50 (stronger) | 45 |
| Capital cushion | 39 (stronger) | 37 |
| Loan quality | 69 (stronger) | 51 |
| Earnings | 9 (stronger) | 2 |
| Funding & liquidity | 72 | 85 (stronger) |
| Problem-loan coverage | 83 (stronger) | 77 |
| Peer percentile | 6th | 3rd |
| Total assets | $583.0M | $650.9M |
| Deposits / shares | $505.4M | $556.8M |
| Capital ratio | 8.92% (stronger) | 8.67% |
| Problem loans | 0.94% (stronger) | 1.46% |
| Net charge-offs | 0.46% | 0.14% (stronger) |
| Return on assets | -0.27% (stronger) | -0.45% |
| Loans ÷ deposits | 88.2% | 74.8% (stronger) |
| Uninsured deposits | 6.2% (stronger) | 10.0% |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.2% | 22.2% |
I-C Federal Credit Union has the higher TellerScore (50 vs 45). On the 7 directional measures above (where higher or lower is clearly better), I-C Federal Credit Union leads on 5 and Align Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.