Side-by-side · Q2 2026 data
McCoy Federal Credit Union vs First Commerce Credit Union
Metric by metric
| Measure | McCoy Federal Credit Union | First Commerce Credit Union |
|---|---|---|
| TellerScore | 65 | 65 |
| Capital cushion | 54 (stronger) | 51 |
| Loan quality | 80 | 83 (stronger) |
| Earnings | 35 | 47 (stronger) |
| Funding & liquidity | 82 (stronger) | 68 |
| Problem-loan coverage | 92 | 92 |
| Peer percentile | 41st | 41st |
| Total assets | $1.0B | $1.2B |
| Deposits / shares | $900.7M | $1.1B |
| Capital ratio | 10.45% (stronger) | 10.13% |
| Problem loans | 0.59% | 0.50% (stronger) |
| Net charge-offs | 0.62% | 0.41% (stronger) |
| Return on assets | 0.39% | 0.68% (stronger) |
| Loans ÷ deposits | 78.5% (stronger) | 92.7% |
| Uninsured deposits | 5.7% (stronger) | 9.2% |
| Offices | 16 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 48.8% | 28.6% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), McCoy Federal Credit Union leads on 3 and First Commerce Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.