Side-by-side · Q2 2026 data
Tampa Bay Federal Credit Union vs Gallup Federal Credit Union
Metric by metric
| Measure | Tampa Bay Federal Credit Union | Gallup Federal Credit Union |
|---|---|---|
| TellerScore | 52 | 84 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 41 | 98 (stronger) |
| Earnings | 39 | 58 (stronger) |
| Funding & liquidity | 67 (stronger) | 50 |
| Problem-loan coverage | 72 | 100 (stronger) |
| Peer percentile | 8th | 75th |
| Total assets | $493.9M | $16.4M |
| Deposits / shares | $418.0M | $13.3M |
| Capital ratio | 10.49% | 18.06% (stronger) |
| Problem loans | 1.78% | 0.05% (stronger) |
| Net charge-offs | 0.98% | 0.00% (stronger) |
| Return on assets | 0.47% | 0.96% (stronger) |
| Loans ÷ deposits | 93.3% (stronger) | 111.1% |
| Uninsured deposits | 4.3% (stronger) | 9.7% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.3% | — |
Gallup Federal Credit Union has the higher TellerScore (84 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Tampa Bay Federal Credit Union leads on 2 and Gallup Federal Credit Union on 5. 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.