Side-by-side · Q2 2026 data
Local 24 Employees Federal Credit Union vs Light Commerce Credit Union
Credit union
Local 24 Employees Federal Credit Union
Pasadena, Texas · Under $100 million in assets
Metric by metric
| Measure | Local 24 Employees Federal Credit Union | Light Commerce Credit Union |
|---|---|---|
| TellerScore | 98 (stronger) | 92 |
| Capital cushion | 100 | 100 |
| Loan quality | 91 (stronger) | 69 |
| Earnings | 100 | 100 |
| Funding & liquidity | 100 (stronger) | 98 |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 98th | 92nd |
| Total assets | $13.6M | $5.0M |
| Deposits / shares | $10.7M | $3.6M |
| Capital ratio | 21.01% | 26.81% (stronger) |
| Problem loans | 0.26% (stronger) | 0.93% |
| Net charge-offs | 1.20% | 0.57% (stronger) |
| Return on assets | 2.15% | 2.37% (stronger) |
| Loans ÷ deposits | 43.1% (stronger) | 62.1% |
| Uninsured deposits | 1.0% | 0.4% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Local 24 Employees Federal Credit Union has the higher TellerScore (98 vs 92). On the 7 directional measures above (where higher or lower is clearly better), Local 24 Employees Federal Credit Union leads on 3 and Light Commerce Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.