Side-by-side · Q2 2026 data
Route 31 Federal Credit Union vs Circle Federal Credit Union
Metric by metric
| Measure | Route 31 Federal Credit Union | Circle Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 68 |
| Capital cushion | 82 (stronger) | 41 |
| Loan quality | 86 | 92 (stronger) |
| Earnings | 48 | 52 (stronger) |
| Funding & liquidity | 91 (stronger) | 84 |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 76th | 45th |
| Total assets | $104.6M | $117.4M |
| Deposits / shares | $89.7M | $105.6M |
| Capital ratio | 13.21% (stronger) | 9.14% |
| Problem loans | 0.41% | 0.25% (stronger) |
| Net charge-offs | 0.40% | 0.04% (stronger) |
| Return on assets | 0.70% | 0.79% (stronger) |
| Loans ÷ deposits | 68.8% (stronger) | 76.0% |
| Uninsured deposits | 5.8% | 5.1% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.4% | 0.0% |
Route 31 Federal Credit Union has the higher TellerScore (79 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Route 31 Federal Credit Union leads on 3 and Circle Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.