Side-by-side · Q2 2026 data
Members Choice Credit Union vs Smart Financial Credit Union
Metric by metric
| Measure | Members Choice Credit Union | Smart Financial Credit Union |
|---|---|---|
| TellerScore | 50 | 69 (stronger) |
| Capital cushion | 28 | 68 (stronger) |
| Loan quality | 74 (stronger) | 61 |
| Earnings | 26 | 68 (stronger) |
| Funding & liquidity | 64 | 77 (stronger) |
| Problem-loan coverage | 85 (stronger) | 82 |
| Peer percentile | 6th | 48th |
| Total assets | $720.9M | $807.5M |
| Deposits / shares | $584.7M | $700.6M |
| Capital ratio | 7.83% | 11.84% (stronger) |
| Problem loans | 0.77% (stronger) | 1.16% |
| Net charge-offs | 0.97% | 0.54% (stronger) |
| Return on assets | 0.15% | 1.20% (stronger) |
| Loans ÷ deposits | 96.7% | 83.7% (stronger) |
| Uninsured deposits | 10.3% | 2.8% (stronger) |
| Offices | 7 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 41.1% |
Smart Financial Credit Union has the higher TellerScore (69 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Members Choice Credit Union leads on 1 and Smart Financial Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.