Side-by-side · Q2 2026 data
Net Federal Credit Union vs First Capital Federal Credit Union
Metric by metric
| Measure | Net Federal Credit Union | First Capital Federal Credit Union |
|---|---|---|
| TellerScore | 62 | 81 (stronger) |
| Capital cushion | 52 | 70 (stronger) |
| Loan quality | 64 | 93 (stronger) |
| Earnings | 34 | 63 (stronger) |
| Funding & liquidity | 96 (stronger) | 94 |
| Problem-loan coverage | 87 | 98 (stronger) |
| Peer percentile | 26th | 80th |
| Total assets | $354.0M | $368.5M |
| Deposits / shares | $324.3M | $322.4M |
| Capital ratio | 10.23% | 11.95% (stronger) |
| Problem loans | 1.09% | 0.20% (stronger) |
| Net charge-offs | 0.42% | 0.12% (stronger) |
| Return on assets | 0.36% | 1.07% (stronger) |
| Loans ÷ deposits | 64.4% (stronger) | 66.6% |
| Uninsured deposits | 7.9% | 3.7% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.7% |
First Capital Federal Credit Union has the higher TellerScore (81 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Net Federal Credit Union leads on 1 and First Capital Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.