Side-by-side · Q2 2026 data
Inspire Federal Credit Union vs First Capital Federal Credit Union
Metric by metric
| Measure | Inspire Federal Credit Union | First Capital Federal Credit Union |
|---|---|---|
| TellerScore | 59 | 81 (stronger) |
| Capital cushion | 55 | 70 (stronger) |
| Loan quality | 69 | 93 (stronger) |
| Earnings | 41 | 63 (stronger) |
| Funding & liquidity | 56 | 94 (stronger) |
| Problem-loan coverage | 87 | 98 (stronger) |
| Peer percentile | 19th | 80th |
| Total assets | $392.1M | $368.5M |
| Deposits / shares | $277.8M | $322.4M |
| Capital ratio | 10.52% | 11.95% (stronger) |
| Problem loans | 0.93% | 0.20% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.12% |
| Return on assets | 0.54% | 1.07% (stronger) |
| Loans ÷ deposits | 104.1% | 66.6% (stronger) |
| Uninsured deposits | 12.4% | 3.7% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.1% | 18.7% |
First Capital Federal Credit Union has the higher TellerScore (81 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Inspire Federal Credit Union leads on 1 and First Capital Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.