Side-by-side · Q2 2026 data
Members Choice Credit Union vs Transcend Credit Union
Metric by metric
| Measure | Members Choice Credit Union | Transcend Credit Union |
|---|---|---|
| TellerScore | 59 | 83 (stronger) |
| Capital cushion | 34 | 84 (stronger) |
| Loan quality | 75 | 96 (stronger) |
| Earnings | 45 | 68 (stronger) |
| Funding & liquidity | 83 (stronger) | 69 |
| Problem-loan coverage | 87 | 99 (stronger) |
| Peer percentile | 19th | 83rd |
| Total assets | $430.8M | $588.3M |
| Deposits / shares | $388.4M | $473.2M |
| Capital ratio | 8.38% | 13.37% (stronger) |
| Problem loans | 0.76% | 0.13% (stronger) |
| Net charge-offs | 0.50% | 0.18% (stronger) |
| Return on assets | 0.64% | 1.19% (stronger) |
| Loans ÷ deposits | 77.0% (stronger) | 91.0% |
| Uninsured deposits | 8.9% (stronger) | 9.8% |
| Offices | 8 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Transcend Credit Union has the higher TellerScore (83 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Members Choice Credit Union leads on 2 and Transcend Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.