Side-by-side · Q2 2026 data
Our Credit Union vs The Local Credit Union
Metric by metric
| Measure | Our Credit Union | The Local Credit Union |
|---|---|---|
| TellerScore | 68 | 92 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 84 | 91 (stronger) |
| Earnings | 45 | 74 (stronger) |
| Funding & liquidity | 91 | 100 (stronger) |
| Problem-loan coverage | 93 | 99 (stronger) |
| Peer percentile | 45th | 97th |
| Total assets | $375.1M | $106.6M |
| Deposits / shares | $347.3M | $89.9M |
| Capital ratio | 9.98% | 16.07% (stronger) |
| Problem loans | 0.48% | 0.26% (stronger) |
| Net charge-offs | 0.39% (stronger) | 0.42% |
| Return on assets | 0.63% | 1.35% (stronger) |
| Loans ÷ deposits | 68.9% | 46.7% (stronger) |
| Uninsured deposits | 4.4% (stronger) | 7.5% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Local Credit Union has the higher TellerScore (92 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Our Credit Union leads on 2 and The Local Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.