Side-by-side · Q2 2026 data
Members Community Credit Union vs First Class Community Credit Union
Credit union
First Class Community Credit Union
West Des Moines, Iowa · Under $100 million in assets
Metric by metric
| Measure | Members Community Credit Union | First Class Community Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 78 |
| Capital cushion | 75 (stronger) | 58 |
| Loan quality | 92 (stronger) | 88 |
| Earnings | 68 | 69 (stronger) |
| Funding & liquidity | 86 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 70th | 59th |
| Total assets | $99.2M | $95.8M |
| Deposits / shares | $83.0M | $85.7M |
| Capital ratio | 12.48% (stronger) | 10.79% |
| Problem loans | 0.25% (stronger) | 0.37% |
| Net charge-offs | 0.23% (stronger) | 0.29% |
| Return on assets | 1.21% | 1.22% (stronger) |
| Loans ÷ deposits | 73.8% | 42.2% (stronger) |
| Uninsured deposits | 3.0% | 2.5% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 35.3% |
Members Community Credit Union has the higher TellerScore (82 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Members Community Credit Union leads on 4 and First Class Community Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.