Side-by-side · Q2 2026 data
Independent Federal Credit Union vs Kemba Indianapolis Credit Union
Credit union
Independent Federal Credit Union
Anderson, Indiana · Under $100 million in assets
Credit union
Kemba Indianapolis Credit Union
Indianapolis, Indiana · Under $100 million in assets
Metric by metric
| Measure | Independent Federal Credit Union | Kemba Indianapolis Credit Union |
|---|---|---|
| TellerScore | 45 | 82 (stronger) |
| Capital cushion | 60 | 100 (stronger) |
| Loan quality | 0 | 65 (stronger) |
| Earnings | 35 | 54 (stronger) |
| Funding & liquidity | 94 | 100 (stronger) |
| Problem-loan coverage | 62 | 95 (stronger) |
| Peer percentile | 5th | 70th |
| Total assets | $93.6M | $82.3M |
| Deposits / shares | $83.1M | $68.6M |
| Capital ratio | 10.95% | 16.02% (stronger) |
| Problem loans | 3.43% | 1.04% (stronger) |
| Net charge-offs | 1.37% | 1.08% (stronger) |
| Return on assets | 0.38% | 0.84% (stronger) |
| Loans ÷ deposits | 65.9% | 41.9% (stronger) |
| Uninsured deposits | 2.5% | 0.0% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.5% | — |
Kemba Indianapolis Credit Union has the higher TellerScore (82 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Independent Federal Credit Union leads on 0 and Kemba Indianapolis Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.