Side-by-side · Q2 2026 data
L & N Federal Credit Union vs Commonwealth Federal Credit Union
Metric by metric
| Measure | L & N Federal Credit Union | Commonwealth Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 73 (stronger) |
| Capital cushion | 56 | 63 (stronger) |
| Loan quality | 91 (stronger) | 71 |
| Earnings | 64 | 82 (stronger) |
| Funding & liquidity | 69 | 76 (stronger) |
| Problem-loan coverage | 96 (stronger) | 88 |
| Peer percentile | 66th | 70th |
| Total assets | $2.6B | $2.9B |
| Deposits / shares | $2.3B | $2.6B |
| Capital ratio | 10.55% | 11.26% (stronger) |
| Problem loans | 0.26% (stronger) | 0.87% |
| Net charge-offs | 0.06% (stronger) | 0.94% |
| Return on assets | 1.11% | 1.55% (stronger) |
| Loans ÷ deposits | 91.7% | 84.1% (stronger) |
| Uninsured deposits | 13.9% | 7.5% (stronger) |
| Offices | 25 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.7% | — |
Commonwealth Federal Credit Union has the higher TellerScore (73 vs 72). On the 7 directional measures above (where higher or lower is clearly better), L & N Federal Credit Union leads on 2 and Commonwealth Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.