Side-by-side · Q2 2026 data
Loyalty Credit Union vs First Commerce Credit Union
Metric by metric
| Measure | Loyalty Credit Union | First Commerce Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 65 |
| Capital cushion | 66 (stronger) | 51 |
| Loan quality | 78 | 83 (stronger) |
| Earnings | 59 (stronger) | 47 |
| Funding & liquidity | 97 (stronger) | 68 |
| Problem-loan coverage | 94 (stronger) | 92 |
| Peer percentile | 66th | 41st |
| Total assets | $300.3M | $1.2B |
| Deposits / shares | $263.8M | $1.1B |
| Capital ratio | 11.61% (stronger) | 10.13% |
| Problem loans | 0.66% | 0.50% (stronger) |
| Net charge-offs | 0.88% | 0.41% (stronger) |
| Return on assets | 0.98% (stronger) | 0.68% |
| Loans ÷ deposits | 63.4% (stronger) | 92.7% |
| Uninsured deposits | 0.0% (stronger) | 9.2% |
| Offices | 7 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.7% | 28.6% |
Loyalty Credit Union has the higher TellerScore (75 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Loyalty Credit Union leads on 5 and First Commerce Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.