Side-by-side · Q2 2026 data
Kemba Delta Federal Credit Union vs Beacon Financial Credit Union
Credit union
Kemba Delta Federal Credit Union
Bartlett, Tennessee · Under $100 million in assets
Credit union
Beacon Financial Credit Union
Johnson City, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Kemba Delta Federal Credit Union | Beacon Financial Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 44 |
| Capital cushion | 100 (stronger) | 27 |
| Loan quality | 0 | 54 (stronger) |
| Earnings | 95 (stronger) | 22 |
| Funding & liquidity | 100 (stronger) | 71 |
| Problem-loan coverage | 93 (stronger) | 70 |
| Peer percentile | 47th | 4th |
| Total assets | $31.2M | $27.9M |
| Deposits / shares | $21.4M | $26.0M |
| Capital ratio | 29.45% (stronger) | 7.70% |
| Problem loans | 3.17% | 1.39% (stronger) |
| Net charge-offs | 2.11% | 0.82% (stronger) |
| Return on assets | 1.87% (stronger) | 0.04% |
| Loans ÷ deposits | 46.2% (stronger) | 89.0% |
| Uninsured deposits | 4.9% | 4.0% (stronger) |
| Offices | 2 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Kemba Delta Federal Credit Union has the higher TellerScore (73 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Kemba Delta Federal Credit Union leads on 4 and Beacon Financial Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.