Side-by-side · Q2 2026 data
Route 31 Federal Credit Union vs Total Community Credit Union
Metric by metric
| Measure | Route 31 Federal Credit Union | Total Community Credit Union |
|---|---|---|
| TellerScore | 79 | 97 (stronger) |
| Capital cushion | 82 | 100 (stronger) |
| Loan quality | 86 | 88 (stronger) |
| Earnings | 48 | 100 (stronger) |
| Funding & liquidity | 91 | 100 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 76th | 99th |
| Total assets | $104.6M | $111.3M |
| Deposits / shares | $89.7M | $93.9M |
| Capital ratio | 13.21% | 15.29% (stronger) |
| Problem loans | 0.41% | 0.36% (stronger) |
| Net charge-offs | 0.40% | 0.38% (stronger) |
| Return on assets | 0.70% | 2.04% (stronger) |
| Loans ÷ deposits | 68.8% | 46.4% (stronger) |
| Uninsured deposits | 5.8% | 2.6% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.4% | — |
Total Community Credit Union has the higher TellerScore (97 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Route 31 Federal Credit Union leads on 0 and Total Community Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.