Side-by-side · Q2 2026 data
Raiz Federal Credit Union vs Fivepoint Credit Union
Metric by metric
| Measure | Raiz Federal Credit Union | Fivepoint Credit Union |
|---|---|---|
| TellerScore | 62 (stronger) | 57 |
| Capital cushion | 52 (stronger) | 38 |
| Loan quality | 68 | 75 (stronger) |
| Earnings | 62 (stronger) | 38 |
| Funding & liquidity | 59 | 72 (stronger) |
| Problem-loan coverage | 81 | 86 (stronger) |
| Peer percentile | 30th | 17th |
| Total assets | $1.1B | $1.1B |
| Deposits / shares | $850.4M | $1.0B |
| Capital ratio | 10.21% (stronger) | 8.78% |
| Problem loans | 0.95% | 0.76% (stronger) |
| Net charge-offs | 1.12% | 0.76% (stronger) |
| Return on assets | 1.05% (stronger) | 0.45% |
| Loans ÷ deposits | 101.0% | 88.5% (stronger) |
| Uninsured deposits | 8.5% | 5.9% (stronger) |
| Offices | 4 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.2% | 15.5% |
Raiz Federal Credit Union has the higher TellerScore (62 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Raiz Federal Credit Union leads on 3 and Fivepoint Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.