Side-by-side · Q2 2026 data
Smart Financial Credit Union vs Intouch Credit Union
Metric by metric
| Measure | Smart Financial Credit Union | Intouch Credit Union |
|---|---|---|
| TellerScore | 69 (stronger) | 55 |
| Capital cushion | 68 (stronger) | 39 |
| Loan quality | 61 (stronger) | 54 |
| Earnings | 68 (stronger) | 59 |
| Funding & liquidity | 77 (stronger) | 71 |
| Problem-loan coverage | 82 (stronger) | 75 |
| Peer percentile | 48th | 12th |
| Total assets | $807.5M | $837.4M |
| Deposits / shares | $700.6M | $744.2M |
| Capital ratio | 11.84% (stronger) | 8.95% |
| Problem loans | 1.16% (stronger) | 1.38% |
| Net charge-offs | 0.54% (stronger) | 0.61% |
| Return on assets | 1.20% (stronger) | 0.97% |
| Loans ÷ deposits | 83.7% (stronger) | 88.9% |
| Uninsured deposits | 2.8% (stronger) | 7.5% |
| Offices | 7 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 41.1% | 36.6% |
Smart Financial Credit Union has the higher TellerScore (69 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Smart Financial Credit Union leads on 7 and Intouch Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.