Side-by-side · Q2 2026 data
Shuford Federal Credit Union vs Summit Credit Union
Credit union
Shuford Federal Credit Union
Hickory, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Shuford Federal Credit Union | Summit Credit Union |
|---|---|---|
| TellerScore | 75 | 82 (stronger) |
| Capital cushion | 87 | 100 (stronger) |
| Loan quality | 70 | 76 (stronger) |
| Earnings | 65 (stronger) | 56 |
| Funding & liquidity | 66 | 82 (stronger) |
| Problem-loan coverage | 89 | 94 (stronger) |
| Peer percentile | 52nd | 82nd |
| Total assets | $36.1M | $368.8M |
| Deposits / shares | $30.5M | $298.4M |
| Capital ratio | 13.71% | 15.44% (stronger) |
| Problem loans | 0.89% | 0.71% (stronger) |
| Net charge-offs | 0.13% (stronger) | 1.22% |
| Return on assets | 1.14% (stronger) | 0.91% |
| Loans ÷ deposits | 93.9% | 78.3% (stronger) |
| Uninsured deposits | 3.7% (stronger) | 11.0% |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Summit Credit Union has the higher TellerScore (82 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Shuford Federal Credit Union leads on 3 and Summit Credit Union on 4. 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.