Side-by-side · Q2 2026 data
Tampa Bay Federal Credit Union vs Trax Federal Credit Union
Metric by metric
| Measure | Tampa Bay Federal Credit Union | Trax Federal Credit Union |
|---|---|---|
| TellerScore | 52 | 64 (stronger) |
| Capital cushion | 55 | 80 (stronger) |
| Loan quality | 41 (stronger) | 40 |
| Earnings | 39 (stronger) | 31 |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 72 | 88 (stronger) |
| Peer percentile | 8th | 31st |
| Total assets | $493.9M | $485.1M |
| Deposits / shares | $418.0M | $416.4M |
| Capital ratio | 10.49% | 12.98% (stronger) |
| Problem loans | 1.78% (stronger) | 1.80% |
| Net charge-offs | 0.98% (stronger) | 1.79% |
| Return on assets | 0.47% (stronger) | 0.28% |
| Loans ÷ deposits | 93.3% | 51.9% (stronger) |
| Uninsured deposits | 4.3% (stronger) | 11.5% |
| Offices | 4 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.3% | 30.0% |
Trax Federal Credit Union has the higher TellerScore (64 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Tampa Bay Federal Credit Union leads on 4 and Trax Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.