Side-by-side · Q2 2026 data
L & N Federal Credit Union vs Advanz Federal Credit Union
Metric by metric
| Measure | L & N Federal Credit Union | Advanz Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 85 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 91 (stronger) | 82 |
| Earnings | 64 (stronger) | 51 |
| Funding & liquidity | 69 | 100 (stronger) |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 66th | 87th |
| Total assets | $2.6B | $161.6M |
| Deposits / shares | $2.3B | $135.5M |
| Capital ratio | 10.55% | 15.63% (stronger) |
| Problem loans | 0.26% (stronger) | 0.54% |
| Net charge-offs | 0.06% (stronger) | 0.30% |
| Return on assets | 1.11% (stronger) | 0.78% |
| Loans ÷ deposits | 91.7% | 51.5% (stronger) |
| Uninsured deposits | 13.9% | 4.0% (stronger) |
| Offices | 25 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.7% | 7.3% |
Advanz Federal Credit Union has the higher TellerScore (85 vs 72). On the 7 directional measures above (where higher or lower is clearly better), L & N Federal Credit Union leads on 3 and Advanz Federal Credit Union on 4. 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.