Side-by-side · Q2 2026 data
Service 1 Federal Credit Union vs Aac Credit Union
Metric by metric
| Measure | Service 1 Federal Credit Union | Aac Credit Union |
|---|---|---|
| TellerScore | 89 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 86 | 88 (stronger) |
| Earnings | 83 (stronger) | 78 |
| Funding & liquidity | 73 | 85 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 94th | 95th |
| Total assets | $198.5M | $212.4M |
| Deposits / shares | $160.8M | $158.1M |
| Capital ratio | 18.56% | 24.16% (stronger) |
| Problem loans | 0.42% | 0.36% (stronger) |
| Net charge-offs | 0.52% | 0.08% (stronger) |
| Return on assets | 1.58% (stronger) | 1.46% |
| Loans ÷ deposits | 87.3% | 75.1% (stronger) |
| Uninsured deposits | 4.3% (stronger) | 5.3% |
| Offices | 3 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.5% |
Aac Credit Union has the higher TellerScore (90 vs 89). On the 7 directional measures above (where higher or lower is clearly better), Service 1 Federal Credit Union leads on 2 and Aac Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.