Side-by-side · Q2 2026 data
Softite Community Federal Credit Union vs Members Choice Credit Union
Credit union
Softite Community Federal Credit Union
Martins Ferry, Ohio · Under $100 million in assets
Metric by metric
| Measure | Softite Community Federal Credit Union | Members Choice Credit Union |
|---|---|---|
| TellerScore | 73 | 92 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 3 | 85 (stronger) |
| Earnings | 93 (stronger) | 78 |
| Funding & liquidity | 100 (stronger) | 99 |
| Problem-loan coverage | 83 | 98 (stronger) |
| Peer percentile | 47th | 92nd |
| Total assets | $37.6M | $38.9M |
| Deposits / shares | $31.6M | $31.7M |
| Capital ratio | 15.68% | 17.95% (stronger) |
| Problem loans | 2.91% | 0.44% (stronger) |
| Net charge-offs | -0.17% | -1.11% (stronger) |
| Return on assets | 1.81% (stronger) | 1.44% |
| Loans ÷ deposits | 53.9% (stronger) | 61.6% |
| Uninsured deposits | 3.0% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Members Choice Credit Union has the higher TellerScore (92 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Softite Community Federal Credit Union leads on 2 and Members Choice Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.