Side-by-side · Q2 2026 data
Pheple Federal Credit Union vs Tendto Federal Credit Union
Metric by metric
| Measure | Pheple Federal Credit Union | Tendto Federal Credit Union |
|---|---|---|
| TellerScore | 63 (stronger) | 61 |
| Capital cushion | 46 (stronger) | 33 |
| Loan quality | 81 | 83 (stronger) |
| Earnings | 50 (stronger) | 31 |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 90 | 93 (stronger) |
| Peer percentile | 29th | 24th |
| Total assets | $134.0M | $141.3M |
| Deposits / shares | $121.1M | $127.9M |
| Capital ratio | 9.55% (stronger) | 8.31% |
| Problem loans | 0.57% | 0.51% (stronger) |
| Net charge-offs | 0.33% (stronger) | 0.49% |
| Return on assets | 0.76% (stronger) | 0.28% |
| Loans ÷ deposits | 93.4% | 58.8% (stronger) |
| Uninsured deposits | 1.2% (stronger) | 2.5% |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.9% | — |
Pheple Federal Credit Union has the higher TellerScore (63 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Pheple Federal Credit Union leads on 5 and Tendto Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.