Side-by-side · Q2 2026 data
Island Federal Credit Union vs Beginnings Credit Union
Metric by metric
| Measure | Island Federal Credit Union | Beginnings Credit Union |
|---|---|---|
| TellerScore | 60 | 77 (stronger) |
| Capital cushion | 54 | 90 (stronger) |
| Loan quality | 63 | 77 (stronger) |
| Earnings | 44 | 49 (stronger) |
| Funding & liquidity | 73 | 78 (stronger) |
| Problem-loan coverage | 85 | 93 (stronger) |
| Peer percentile | 25th | 82nd |
| Total assets | $1.3B | $1.5B |
| Deposits / shares | $1.1B | $1.3B |
| Capital ratio | 10.40% | 14.01% (stronger) |
| Problem loans | 1.10% | 0.69% (stronger) |
| Net charge-offs | 0.33% (stronger) | 0.39% |
| Return on assets | 0.60% | 0.73% (stronger) |
| Loans ÷ deposits | 87.3% | 82.3% (stronger) |
| Uninsured deposits | 12.5% | 9.2% (stronger) |
| Offices | 5 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 31.6% | — |
Beginnings Credit Union has the higher TellerScore (77 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Island Federal Credit Union leads on 1 and Beginnings Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.