Side-by-side · Q2 2026 data
L & N Federal Credit Union vs Transcend Credit Union
Metric by metric
| Measure | L & N Federal Credit Union | Transcend Credit Union |
|---|---|---|
| TellerScore | 72 | 83 (stronger) |
| Capital cushion | 56 | 84 (stronger) |
| Loan quality | 91 | 96 (stronger) |
| Earnings | 64 | 68 (stronger) |
| Funding & liquidity | 69 | 69 |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 66th | 83rd |
| Total assets | $2.6B | $588.3M |
| Deposits / shares | $2.3B | $473.2M |
| Capital ratio | 10.55% | 13.37% (stronger) |
| Problem loans | 0.26% | 0.13% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.18% |
| Return on assets | 1.11% | 1.19% (stronger) |
| Loans ÷ deposits | 91.7% | 91.0% (stronger) |
| Uninsured deposits | 13.9% | 9.8% (stronger) |
| Offices | 25 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.7% | — |
Transcend Credit Union has the higher TellerScore (83 vs 72). On the 7 directional measures above (where higher or lower is clearly better), L & N Federal Credit Union leads on 1 and Transcend Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.