Side-by-side · Q2 2026 data
Kemba Delta Federal Credit Union vs Patriot Equity Credit Union
Credit union
Kemba Delta Federal Credit Union
Bartlett, Tennessee · Under $100 million in assets
Credit union
Patriot Equity Credit Union
Jackson, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Kemba Delta Federal Credit Union | Patriot Equity Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 44 |
| Capital cushion | 100 (stronger) | 58 |
| Loan quality | 0 | 3 (stronger) |
| Earnings | 95 (stronger) | 21 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 93 (stronger) | 71 |
| Peer percentile | 47th | 4th |
| Total assets | $31.2M | $33.0M |
| Deposits / shares | $21.4M | $29.3M |
| Capital ratio | 29.45% (stronger) | 10.76% |
| Problem loans | 3.17% | 2.92% (stronger) |
| Net charge-offs | 2.11% | 1.76% (stronger) |
| Return on assets | 1.87% (stronger) | 0.04% |
| Loans ÷ deposits | 46.2% (stronger) | 59.8% |
| Uninsured deposits | 4.9% (stronger) | 10.2% |
| 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 5 and Patriot Equity Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.