Side-by-side · Q2 2026 data
Integrity Federal Credit Union vs Millstream Area Credit Union
Metric by metric
| Measure | Integrity Federal Credit Union | Millstream Area Credit Union |
|---|---|---|
| TellerScore | 74 | 82 (stronger) |
| Capital cushion | 48 | 76 (stronger) |
| Loan quality | 86 (stronger) | 78 |
| Earnings | 71 | 77 (stronger) |
| Funding & liquidity | 95 | 100 (stronger) |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 49th | 70th |
| Total assets | $73.4M | $70.8M |
| Deposits / shares | $66.1M | $61.3M |
| Capital ratio | 9.75% | 12.64% (stronger) |
| Problem loans | 0.42% (stronger) | 0.66% |
| Net charge-offs | 0.07% (stronger) | 0.38% |
| Return on assets | 1.26% | 1.41% (stronger) |
| Loans ÷ deposits | 64.9% | 55.9% (stronger) |
| Uninsured deposits | 1.8% | 0.0% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Millstream Area Credit Union has the higher TellerScore (82 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Integrity Federal Credit Union leads on 2 and Millstream Area Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.