Side-by-side · Q2 2026 data
Main Impact Federal Credit Union vs Lexington Postal Community Credit Union
Credit union
Lexington Postal Community Credit Union
Lexington, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Main Impact Federal Credit Union | Lexington Postal Community Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 68 |
| Capital cushion | 55 (stronger) | 45 |
| Loan quality | 99 (stronger) | 93 |
| Earnings | 45 (stronger) | 30 |
| Funding & liquidity | 91 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 49th | 36th |
| Total assets | $23.3M | $27.2M |
| Deposits / shares | $20.8M | $24.4M |
| Capital ratio | 10.47% (stronger) | 9.53% |
| Problem loans | 0.03% (stronger) | 0.22% |
| Net charge-offs | 0.16% | 0.15% (stronger) |
| Return on assets | 0.63% (stronger) | 0.25% |
| Loans ÷ deposits | 68.8% | 51.6% (stronger) |
| Uninsured deposits | 2.1% (stronger) | 3.8% |
| Offices | 2 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Main Impact Federal Credit Union has the higher TellerScore (74 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Main Impact Federal Credit Union leads on 5 and Lexington Postal Community Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.