Side-by-side · Q2 2026 data
N.I.C.E. Federal Credit Union vs A.A.E.C. Credit Union
Metric by metric
| Measure | N.I.C.E. Federal Credit Union | A.A.E.C. Credit Union |
|---|---|---|
| TellerScore | 62 | 84 (stronger) |
| Capital cushion | 24 | 80 (stronger) |
| Loan quality | 100 (stronger) | 99 |
| Earnings | 28 | 49 (stronger) |
| Funding & liquidity | 92 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 24th | 86th |
| Total assets | $2.6M | $118.9M |
| Deposits / shares | $2.4M | $102.3M |
| Capital ratio | 7.37% | 13.03% (stronger) |
| Problem loans | 0.00% (stronger) | 0.02% |
| Net charge-offs | 0.00% (stronger) | 0.20% |
| Return on assets | 0.20% | 0.72% (stronger) |
| Loans ÷ deposits | 68.4% | 50.0% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 4.8% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
A.A.E.C. Credit Union has the higher TellerScore (84 vs 62). On the 7 directional measures above (where higher or lower is clearly better), N.I.C.E. Federal Credit Union leads on 3 and A.A.E.C. 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.