Side-by-side · Q2 2026 data
Msd Federal Credit Union vs Transcend Credit Union
Metric by metric
| Measure | Msd Federal Credit Union | Transcend Credit Union |
|---|---|---|
| TellerScore | 71 | 83 (stronger) |
| Capital cushion | 73 | 84 (stronger) |
| Loan quality | 100 (stronger) | 96 |
| Earnings | 0 | 68 (stronger) |
| Funding & liquidity | 93 (stronger) | 69 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 42nd | 83rd |
| Total assets | $7.8M | $588.3M |
| Deposits / shares | $6.8M | $473.2M |
| Capital ratio | 12.29% | 13.37% (stronger) |
| Problem loans | 0.00% (stronger) | 0.13% |
| Net charge-offs | 6.19% | 0.18% (stronger) |
| Return on assets | -3.32% | 1.19% (stronger) |
| Loans ÷ deposits | 67.7% (stronger) | 91.0% |
| Uninsured deposits | 4.5% (stronger) | 9.8% |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Transcend Credit Union has the higher TellerScore (83 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Msd Federal Credit Union leads on 3 and Transcend Credit Union on 4. 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.