Side-by-side · Q2 2026 data
National Institutes of Health Federal Credit Union vs Apl Federal Credit Union
Credit union
National Institutes of Health Federal Credit Union
Rockville, Maryland · $100 million – $1 billion
Metric by metric
| Measure | National Institutes of Health Federal Credit Union | Apl Federal Credit Union |
|---|---|---|
| TellerScore | 58 | 76 (stronger) |
| Capital cushion | 29 | 68 (stronger) |
| Loan quality | 77 | 84 (stronger) |
| Earnings | 35 | 65 (stronger) |
| Funding & liquidity | 92 (stronger) | 84 |
| Problem-loan coverage | 89 | 94 (stronger) |
| Peer percentile | 16th | 68th |
| Total assets | $816.7M | $723.6M |
| Deposits / shares | $741.7M | $639.0M |
| Capital ratio | 7.94% | 11.84% (stronger) |
| Problem loans | 0.68% | 0.49% (stronger) |
| Net charge-offs | 0.39% | 0.14% (stronger) |
| Return on assets | 0.38% | 1.13% (stronger) |
| Loans ÷ deposits | 67.9% (stronger) | 76.0% |
| Uninsured deposits | 9.2% (stronger) | 9.8% |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.7% | 10.9% |
Apl Federal Credit Union has the higher TellerScore (76 vs 58). On the 7 directional measures above (where higher or lower is clearly better), National Institutes of Health Federal Credit Union leads on 2 and Apl Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.