Side-by-side · Q2 2026 data
Madison County Federal Credit Union vs Encompass Federal Credit Union
Metric by metric
| Measure | Madison County Federal Credit Union | Encompass Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 52 |
| Capital cushion | 62 (stronger) | 44 |
| Loan quality | 78 (stronger) | 47 |
| Earnings | 60 (stronger) | 49 |
| Funding & liquidity | 92 (stronger) | 67 |
| Problem-loan coverage | 93 (stronger) | 71 |
| Peer percentile | 60th | 8th |
| Total assets | $114.0M | $240.7M |
| Deposits / shares | $100.2M | $216.9M |
| Capital ratio | 11.24% (stronger) | 9.36% |
| Problem loans | 0.67% (stronger) | 1.60% |
| Net charge-offs | 0.37% (stronger) | 1.37% |
| Return on assets | 1.01% (stronger) | 0.71% |
| Loans ÷ deposits | 68.0% (stronger) | 93.7% |
| Uninsured deposits | 2.9% (stronger) | 11.9% |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.6% | 7.0% |
Madison County Federal Credit Union has the higher TellerScore (73 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Madison County Federal Credit Union leads on 7 and Encompass Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.