Side-by-side · Q2 2026 data
Kemba Delta Federal Credit Union vs Light Commerce Credit Union
Credit union
Kemba Delta Federal Credit Union
Bartlett, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Kemba Delta Federal Credit Union | Light Commerce Credit Union |
|---|---|---|
| TellerScore | 73 | 92 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 69 (stronger) |
| Earnings | 95 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 98 |
| Problem-loan coverage | 93 | 97 (stronger) |
| Peer percentile | 47th | 92nd |
| Total assets | $31.2M | $5.0M |
| Deposits / shares | $21.4M | $3.6M |
| Capital ratio | 29.45% (stronger) | 26.81% |
| Problem loans | 3.17% | 0.93% (stronger) |
| Net charge-offs | 2.11% | 0.57% (stronger) |
| Return on assets | 1.87% | 2.37% (stronger) |
| Loans ÷ deposits | 46.2% (stronger) | 62.1% |
| Uninsured deposits | 4.9% | 0.4% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Light Commerce Credit Union has the higher TellerScore (92 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Kemba Delta Federal Credit Union leads on 2 and Light Commerce Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.