Side-by-side · Q2 2026 data
Mutual First Federal Credit Union vs Four Points Federal Credit Union
Metric by metric
| Measure | Mutual First Federal Credit Union | Four Points Federal Credit Union |
|---|---|---|
| TellerScore | 38 (stronger) | 33 |
| Capital cushion | 30 (stronger) | 0 |
| Loan quality | 28 | 59 (stronger) |
| Earnings | 24 (stronger) | 0 |
| Funding & liquidity | 77 | 83 (stronger) |
| Problem-loan coverage | 59 (stronger) | 55 |
| Peer percentile | 1st | 1st |
| Total assets | $124.8M | $165.5M |
| Deposits / shares | $113.0M | $132.2M |
| Capital ratio | 7.98% (stronger) | 3.57% |
| Problem loans | 2.17% | 1.24% (stronger) |
| Net charge-offs | 0.52% (stronger) | 6.04% |
| Return on assets | 0.09% (stronger) | -7.07% |
| Loans ÷ deposits | 83.5% | 77.6% (stronger) |
| Uninsured deposits | 10.2% | 6.8% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.5% | — |
Mutual First Federal Credit Union has the higher TellerScore (38 vs 33). On the 7 directional measures above (where higher or lower is clearly better), Mutual First Federal Credit Union leads on 4 and Four Points Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.