Side-by-side · Q2 2026 data
Route 31 Federal Credit Union vs Aac Credit Union
Metric by metric
| Measure | Route 31 Federal Credit Union | Aac Credit Union |
|---|---|---|
| TellerScore | 79 | 90 (stronger) |
| Capital cushion | 82 | 100 (stronger) |
| Loan quality | 86 | 88 (stronger) |
| Earnings | 48 | 78 (stronger) |
| Funding & liquidity | 91 (stronger) | 85 |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 76th | 95th |
| Total assets | $104.6M | $212.4M |
| Deposits / shares | $89.7M | $158.1M |
| Capital ratio | 13.21% | 24.16% (stronger) |
| Problem loans | 0.41% | 0.36% (stronger) |
| Net charge-offs | 0.40% | 0.08% (stronger) |
| Return on assets | 0.70% | 1.46% (stronger) |
| Loans ÷ deposits | 68.8% (stronger) | 75.1% |
| Uninsured deposits | 5.8% | 5.3% (stronger) |
| Offices | 2 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.4% | 12.5% |
Aac Credit Union has the higher TellerScore (90 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Route 31 Federal Credit Union leads on 1 and Aac Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.