Side-by-side · Q2 2026 data
Ideal Credit Union vs Topline Financial Credit Union
Metric by metric
| Measure | Ideal Credit Union | Topline Financial Credit Union |
|---|---|---|
| TellerScore | 62 (stronger) | 61 |
| Capital cushion | 58 (stronger) | 52 |
| Loan quality | 74 (stronger) | 71 |
| Earnings | 42 | 47 (stronger) |
| Funding & liquidity | 61 | 66 (stronger) |
| Problem-loan coverage | 87 (stronger) | 86 |
| Peer percentile | 30th | 27th |
| Total assets | $1.1B | $1.1B |
| Deposits / shares | $894.8M | $966.4M |
| Capital ratio | 10.82% (stronger) | 10.16% |
| Problem loans | 0.79% (stronger) | 0.86% |
| Net charge-offs | 0.60% | 0.37% (stronger) |
| Return on assets | 0.56% | 0.68% (stronger) |
| Loans ÷ deposits | 99.5% | 93.9% (stronger) |
| Uninsured deposits | 3.9% (stronger) | 5.1% |
| Offices | 7 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.4% | 17.6% |
Ideal Credit Union has the higher TellerScore (62 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Ideal Credit Union leads on 4 and Topline Financial Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.