Side-by-side · Q2 2026 data
Luso Federal Credit Union vs Polish National Credit Union
Metric by metric
| Measure | Luso Federal Credit Union | Polish National Credit Union |
|---|---|---|
| TellerScore | 61 | 76 (stronger) |
| Capital cushion | 61 | 86 (stronger) |
| Loan quality | 63 | 94 (stronger) |
| Earnings | 38 | 41 (stronger) |
| Funding & liquidity | 71 (stronger) | 56 |
| Problem-loan coverage | 84 | 98 (stronger) |
| Peer percentile | 24th | 68th |
| Total assets | $244.6M | $776.9M |
| Deposits / shares | $216.3M | $614.5M |
| Capital ratio | 11.07% | 13.58% (stronger) |
| Problem loans | 1.10% | 0.17% (stronger) |
| Net charge-offs | 0.06% | -0.04% (stronger) |
| Return on assets | 0.45% | 0.52% (stronger) |
| Loans ÷ deposits | 88.8% (stronger) | 104.4% |
| Uninsured deposits | 13.7% | 8.3% (stronger) |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.7% | 10.0% |
Polish National Credit Union has the higher TellerScore (76 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Luso Federal Credit Union leads on 1 and Polish National Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.