Side-by-side · Q2 2026 data
Port City Federal Credit Union vs Route 31 Federal Credit Union
Metric by metric
| Measure | Port City Federal Credit Union | Route 31 Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 79 |
| Capital cushion | 71 | 82 (stronger) |
| Loan quality | 99 (stronger) | 86 |
| Earnings | 45 | 48 (stronger) |
| Funding & liquidity | 100 (stronger) | 91 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 65th | 76th |
| Total assets | $42.1M | $104.6M |
| Deposits / shares | $36.8M | $89.7M |
| Capital ratio | 12.13% | 13.21% (stronger) |
| Problem loans | 0.04% (stronger) | 0.41% |
| Net charge-offs | -0.04% (stronger) | 0.40% |
| Return on assets | 0.63% | 0.70% (stronger) |
| Loans ÷ deposits | 40.0% (stronger) | 68.8% |
| Uninsured deposits | 4.0% (stronger) | 5.8% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.4% |
Port City Federal Credit Union has the higher TellerScore (80 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Port City Federal Credit Union leads on 5 and Route 31 Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.