Side-by-side · Q2 2026 data
Ideal Credit Union vs Magnifi Financial Credit Union
Metric by metric
| Measure | Ideal Credit Union | Magnifi Financial Credit Union |
|---|---|---|
| TellerScore | 62 | 68 (stronger) |
| Capital cushion | 58 | 60 (stronger) |
| Loan quality | 74 | 93 (stronger) |
| Earnings | 42 | 44 (stronger) |
| Funding & liquidity | 61 | 61 |
| Problem-loan coverage | 87 | 92 (stronger) |
| Peer percentile | 30th | 50th |
| Total assets | $1.1B | $2.8B |
| Deposits / shares | $894.8M | $2.3B |
| Capital ratio | 10.82% | 11.04% (stronger) |
| Problem loans | 0.79% | 0.21% (stronger) |
| Net charge-offs | 0.60% | 0.20% (stronger) |
| Return on assets | 0.56% | 0.61% (stronger) |
| Loans ÷ deposits | 99.5% (stronger) | 99.6% |
| Uninsured deposits | 3.9% (stronger) | 13.9% |
| Offices | 7 | 28 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.4% | 12.6% |
Magnifi Financial Credit Union has the higher TellerScore (68 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Ideal Credit Union leads on 2 and Magnifi Financial Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.