Side-by-side · Q2 2026 data
Seaboard Federal Credit Union vs Truchoice Federal Credit Union
Metric by metric
| Measure | Seaboard Federal Credit Union | Truchoice Federal Credit Union |
|---|---|---|
| TellerScore | 57 | 60 (stronger) |
| Capital cushion | 39 | 61 (stronger) |
| Loan quality | 53 (stronger) | 43 |
| Earnings | 47 | 66 (stronger) |
| Funding & liquidity | 94 (stronger) | 71 |
| Problem-loan coverage | 81 (stronger) | 75 |
| Peer percentile | 14th | 21st |
| Total assets | $246.4M | $257.4M |
| Deposits / shares | $220.9M | $231.1M |
| Capital ratio | 8.90% | 11.09% (stronger) |
| Problem loans | 1.42% (stronger) | 1.72% |
| Net charge-offs | 0.22% (stronger) | 0.46% |
| Return on assets | 0.69% | 1.14% (stronger) |
| Loans ÷ deposits | 65.9% (stronger) | 89.7% |
| Uninsured deposits | 5.3% (stronger) | 7.5% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.4% | 9.4% |
Truchoice Federal Credit Union has the higher TellerScore (60 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Seaboard Federal Credit Union leads on 4 and Truchoice Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.