Side-by-side · Q2 2026 data
Lan-Fair Federal Credit Union vs Millstream Area Credit Union
Metric by metric
| Measure | Lan-Fair Federal Credit Union | Millstream Area Credit Union |
|---|---|---|
| TellerScore | 69 | 82 (stronger) |
| Capital cushion | 50 | 76 (stronger) |
| Loan quality | 88 (stronger) | 78 |
| Earnings | 36 | 77 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 38th | 70th |
| Total assets | $72.9M | $70.8M |
| Deposits / shares | $65.5M | $61.3M |
| Capital ratio | 10.00% | 12.64% (stronger) |
| Problem loans | 0.37% (stronger) | 0.66% |
| Net charge-offs | 0.02% (stronger) | 0.38% |
| Return on assets | 0.39% | 1.41% (stronger) |
| Loans ÷ deposits | 26.9% (stronger) | 55.9% |
| Uninsured deposits | 8.7% | 0.0% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Millstream Area Credit Union has the higher TellerScore (82 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Lan-Fair Federal Credit Union leads on 3 and Millstream Area Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.