Side-by-side · Q2 2026 data
Monet Bank vs Light Commerce Credit Union
Metric by metric
| Measure | Monet Bank | Light Commerce Credit Union |
|---|---|---|
| TellerScore | 65 | 92 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 69 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 50 | 98 (stronger) |
| Problem-loan coverage | 76 | 97 (stronger) |
| Peer percentile | 36th | 92nd |
| Total assets | $3.2B | $5.0M |
| Deposits / shares | $913.0M | $3.6M |
| Capital ratio | 31.69% (stronger) | 26.81% |
| Problem loans | 25.76% | 0.93% (stronger) |
| Net charge-offs | -4.61% (stronger) | 0.57% |
| Return on assets | 4.06% (stronger) | 2.37% |
| Loans ÷ deposits | 49.0% (stronger) | 62.1% |
| Uninsured deposits | 80.2% | 0.4% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Light Commerce Credit Union has the higher TellerScore (92 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Monet Bank leads on 4 and Light Commerce 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.