Side-by-side · Q2 2026 data
Light Commerce Credit Union vs Unity One Credit Union
Metric by metric
| Measure | Light Commerce Credit Union | Unity One Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 51 |
| Capital cushion | 100 (stronger) | 34 |
| Loan quality | 69 (stronger) | 67 |
| Earnings | 100 (stronger) | 4 |
| Funding & liquidity | 98 | 98 |
| Problem-loan coverage | 97 (stronger) | 86 |
| Peer percentile | 92nd | 7th |
| Total assets | $5.0M | $275.9M |
| Deposits / shares | $3.6M | $260.0M |
| Capital ratio | 26.81% (stronger) | 8.39% |
| Problem loans | 0.93% (stronger) | 0.98% |
| Net charge-offs | 0.57% (stronger) | 1.07% |
| Return on assets | 2.37% (stronger) | -0.41% |
| Loans ÷ deposits | 62.1% (stronger) | 62.2% |
| Uninsured deposits | 0.4% (stronger) | 4.5% |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Light Commerce Credit Union has the higher TellerScore (92 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Light Commerce Credit Union leads on 7 and Unity One Credit Union on 0. 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.