Side-by-side · Q2 2026 data
Light Commerce Credit Union vs My Credit Union
Metric by metric
| Measure | Light Commerce Credit Union | My Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 74 |
| Capital cushion | 100 (stronger) | 78 |
| Loan quality | 69 (stronger) | 66 |
| Earnings | 100 (stronger) | 51 |
| Funding & liquidity | 98 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 92 |
| Peer percentile | 92nd | 49th |
| Total assets | $5.0M | $58.2M |
| Deposits / shares | $3.6M | $50.4M |
| Capital ratio | 26.81% (stronger) | 12.78% |
| Problem loans | 0.93% (stronger) | 1.02% |
| Net charge-offs | 0.57% | 0.08% (stronger) |
| Return on assets | 2.37% (stronger) | 0.76% |
| Loans ÷ deposits | 62.1% | 58.1% (stronger) |
| Uninsured deposits | 0.4% (stronger) | 1.1% |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Light Commerce Credit Union has the higher TellerScore (92 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Light Commerce Credit Union leads on 5 and My Credit Union on 2. 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.