Side-by-side · Q2 2026 data
Next Step Federal Credit Union vs I Am Federal Credit Union
Metric by metric
| Measure | Next Step Federal Credit Union | I Am Federal Credit Union |
|---|---|---|
| TellerScore | 63 (stronger) | 50 |
| Capital cushion | 51 | 68 (stronger) |
| Loan quality | 43 (stronger) | 0 |
| Earnings | 68 (stronger) | 38 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 88 (stronger) | 74 |
| Peer percentile | 29th | 6th |
| Total assets | $107.6M | $103.2M |
| Deposits / shares | $98.9M | $93.0M |
| Capital ratio | 10.07% | 11.76% (stronger) |
| Problem loans | 1.72% (stronger) | 4.37% |
| Net charge-offs | 0.33% (stronger) | 3.15% |
| Return on assets | 1.20% (stronger) | 0.44% |
| Loans ÷ deposits | 36.8% (stronger) | 38.4% |
| Uninsured deposits | 3.5% | 0.6% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Next Step Federal Credit Union has the higher TellerScore (63 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Next Step Federal Credit Union leads on 5 and I Am Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.