Side-by-side · Q2 2026 data
Members Credit Union vs Tcp Credit Union
Credit union
Members Credit Union
Winston Salem, North Carolina · $100 million – $1 billion
Metric by metric
| Measure | Members Credit Union | Tcp Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 73 |
| Capital cushion | 98 | 100 (stronger) |
| Loan quality | 73 (stronger) | 59 |
| Earnings | 62 (stronger) | 33 |
| Funding & liquidity | 100 (stronger) | 84 |
| Problem-loan coverage | 95 (stronger) | 90 |
| Peer percentile | 87th | 47th |
| Total assets | $477.1M | $15.9M |
| Deposits / shares | $404.2M | $13.1M |
| Capital ratio | 14.83% | 17.04% (stronger) |
| Problem loans | 0.82% (stronger) | 1.23% |
| Net charge-offs | 1.39% | 1.04% (stronger) |
| Return on assets | 1.06% (stronger) | 0.32% |
| Loans ÷ deposits | 46.5% (stronger) | 75.9% |
| Uninsured deposits | 3.3% | 0.4% (stronger) |
| Offices | 16 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Members Credit Union has the higher TellerScore (85 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Members Credit Union leads on 4 and Tcp Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.