Side-by-side · Q2 2026 data
Jovia Financial Federal Credit Union vs Americu Credit Union
Credit union
Jovia Financial Federal Credit Union
Westbury, New York · $1 billion – $10 billion
Metric by metric
| Measure | Jovia Financial Federal Credit Union | Americu Credit Union |
|---|---|---|
| TellerScore | 57 (stronger) | 48 |
| Capital cushion | 48 (stronger) | 46 |
| Loan quality | 57 (stronger) | 37 |
| Earnings | 50 (stronger) | 47 |
| Funding & liquidity | 72 (stronger) | 63 |
| Problem-loan coverage | 79 (stronger) | 65 |
| Peer percentile | 17th | 4th |
| Total assets | $4.6B | $3.0B |
| Deposits / shares | $4.1B | $2.7B |
| Capital ratio | 9.79% (stronger) | 9.56% |
| Problem loans | 1.28% (stronger) | 1.89% |
| Net charge-offs | 0.60% (stronger) | 0.95% |
| Return on assets | 0.74% (stronger) | 0.69% |
| Loans ÷ deposits | 88.7% (stronger) | 96.8% |
| Uninsured deposits | 8.2% (stronger) | 10.3% |
| Offices | 12 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 28.4% |
Jovia Financial Federal Credit Union has the higher TellerScore (57 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Jovia Financial Federal Credit Union leads on 7 and Americu Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.