Side-by-side · Q2 2026 data
Route 31 Federal Credit Union vs The Local Credit Union
Metric by metric
| Measure | Route 31 Federal Credit Union | The Local Credit Union |
|---|---|---|
| TellerScore | 79 | 92 (stronger) |
| Capital cushion | 82 | 100 (stronger) |
| Loan quality | 86 | 91 (stronger) |
| Earnings | 48 | 74 (stronger) |
| Funding & liquidity | 91 | 100 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 76th | 97th |
| Total assets | $104.6M | $106.6M |
| Deposits / shares | $89.7M | $89.9M |
| Capital ratio | 13.21% | 16.07% (stronger) |
| Problem loans | 0.41% | 0.26% (stronger) |
| Net charge-offs | 0.40% (stronger) | 0.42% |
| Return on assets | 0.70% | 1.35% (stronger) |
| Loans ÷ deposits | 68.8% | 46.7% (stronger) |
| Uninsured deposits | 5.8% (stronger) | 7.5% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.4% | — |
The Local Credit Union has the higher TellerScore (92 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Route 31 Federal Credit Union leads on 2 and The Local Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.