Side-by-side · Q2 2026 data
Smart Financial Credit Union vs Light Commerce Credit Union
Metric by metric
| Measure | Smart Financial Credit Union | Light Commerce Credit Union |
|---|---|---|
| TellerScore | 69 | 92 (stronger) |
| Capital cushion | 68 | 100 (stronger) |
| Loan quality | 61 | 69 (stronger) |
| Earnings | 68 | 100 (stronger) |
| Funding & liquidity | 77 | 98 (stronger) |
| Problem-loan coverage | 82 | 97 (stronger) |
| Peer percentile | 48th | 92nd |
| Total assets | $807.5M | $5.0M |
| Deposits / shares | $700.6M | $3.6M |
| Capital ratio | 11.84% | 26.81% (stronger) |
| Problem loans | 1.16% | 0.93% (stronger) |
| Net charge-offs | 0.54% (stronger) | 0.57% |
| Return on assets | 1.20% | 2.37% (stronger) |
| Loans ÷ deposits | 83.7% | 62.1% (stronger) |
| Uninsured deposits | 2.8% | 0.4% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 41.1% | — |
Light Commerce Credit Union has the higher TellerScore (92 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Smart Financial Credit Union leads on 1 and Light Commerce Credit Union on 6. 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.