Side-by-side · Q2 2026 data
Securcommunity Federal Credit Union vs Light Commerce Credit Union
Credit union
Securcommunity Federal Credit Union
Cordova, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Securcommunity Federal Credit Union | Light Commerce Credit Union |
|---|---|---|
| TellerScore | 76 | 92 (stronger) |
| Capital cushion | 91 | 100 (stronger) |
| Loan quality | 78 (stronger) | 69 |
| Earnings | 22 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 98 |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 54th | 92nd |
| Total assets | $91.6M | $5.0M |
| Deposits / shares | $76.0M | $3.6M |
| Capital ratio | 14.06% | 26.81% (stronger) |
| Problem loans | 0.66% (stronger) | 0.93% |
| Net charge-offs | 2.24% | 0.57% (stronger) |
| Return on assets | 0.05% | 2.37% (stronger) |
| Loans ÷ deposits | 42.0% (stronger) | 62.1% |
| Uninsured deposits | 3.7% | 0.4% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Light Commerce Credit Union has the higher TellerScore (92 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Securcommunity Federal Credit Union leads on 2 and Light Commerce Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.