Side-by-side · Q2 2026 data
Mirastar Federal Credit Union vs Water and Power Community Credit Union
Credit union
Water and Power Community Credit Union
Los Angeles, California · $1 billion – $10 billion
Metric by metric
| Measure | Mirastar Federal Credit Union | Water and Power Community Credit Union |
|---|---|---|
| TellerScore | 62 | 71 (stronger) |
| Capital cushion | 49 | 52 (stronger) |
| Loan quality | 66 | 80 (stronger) |
| Earnings | 42 | 73 (stronger) |
| Funding & liquidity | 90 (stronger) | 76 |
| Problem-loan coverage | 86 | 92 (stronger) |
| Peer percentile | 30th | 62nd |
| Total assets | $1.0B | $1.0B |
| Deposits / shares | $941.3M | $826.2M |
| Capital ratio | 9.87% | 10.19% (stronger) |
| Problem loans | 1.03% | 0.61% (stronger) |
| Net charge-offs | 0.59% | 0.44% (stronger) |
| Return on assets | 0.54% | 1.31% (stronger) |
| Loans ÷ deposits | 69.8% (stronger) | 83.8% |
| Uninsured deposits | 9.7% (stronger) | 12.4% |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.7% | 21.8% |
Water and Power Community Credit Union has the higher TellerScore (71 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Mirastar Federal Credit Union leads on 2 and Water and Power Community Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.