Side-by-side · Q2 2026 data
Members Cooperative vs Topline Financial Credit Union
Metric by metric
| Measure | Members Cooperative | Topline Financial Credit Union |
|---|---|---|
| TellerScore | 59 | 61 (stronger) |
| Capital cushion | 58 (stronger) | 52 |
| Loan quality | 50 | 71 (stronger) |
| Earnings | 62 (stronger) | 47 |
| Funding & liquidity | 62 | 66 (stronger) |
| Problem-loan coverage | 75 | 86 (stronger) |
| Peer percentile | 22nd | 27th |
| Total assets | $1.2B | $1.1B |
| Deposits / shares | $968.7M | $966.4M |
| Capital ratio | 10.80% (stronger) | 10.16% |
| Problem loans | 1.49% | 0.86% (stronger) |
| Net charge-offs | 0.39% | 0.37% (stronger) |
| Return on assets | 1.06% (stronger) | 0.68% |
| Loans ÷ deposits | 97.8% | 93.9% (stronger) |
| Uninsured deposits | 8.3% | 5.1% (stronger) |
| Offices | 12 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 17.6% |
Topline Financial Credit Union has the higher TellerScore (61 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Members Cooperative leads on 2 and Topline Financial Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.