Side-by-side · Q2 2026 data
Nesc Federal Credit Union vs Luso-American Credit Union
Metric by metric
| Measure | Nesc Federal Credit Union | Luso-American Credit Union |
|---|---|---|
| TellerScore | 64 | 84 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 70 | 93 (stronger) |
| Earnings | 42 (stronger) | 39 |
| Funding & liquidity | 82 | 89 (stronger) |
| Problem-loan coverage | 88 | 98 (stronger) |
| Peer percentile | 31st | 86th |
| Total assets | $125.9M | $123.0M |
| Deposits / shares | $112.1M | $102.4M |
| Capital ratio | 10.61% | 16.21% (stronger) |
| Problem loans | 0.91% | 0.22% (stronger) |
| Net charge-offs | 0.08% | 0.05% (stronger) |
| Return on assets | 0.55% (stronger) | 0.47% |
| Loans ÷ deposits | 78.6% | 71.7% (stronger) |
| Uninsured deposits | 6.6% (stronger) | 7.6% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Luso-American Credit Union has the higher TellerScore (84 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Nesc Federal Credit Union leads on 2 and Luso-American Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.