Side-by-side · Q2 2026 data
Tandem Federal Credit Union vs The Local Credit Union
Metric by metric
| Measure | Tandem Federal Credit Union | The Local Credit Union |
|---|---|---|
| TellerScore | 72 | 92 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 51 | 91 (stronger) |
| Earnings | 26 | 74 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 94 | 99 (stronger) |
| Peer percentile | 44th | 97th |
| Total assets | $22.3M | $106.6M |
| Deposits / shares | $18.8M | $89.9M |
| Capital ratio | 16.49% (stronger) | 16.07% |
| Problem loans | 1.47% | 0.26% (stronger) |
| Net charge-offs | 0.78% | 0.42% (stronger) |
| Return on assets | 0.15% | 1.35% (stronger) |
| Loans ÷ deposits | 39.0% (stronger) | 46.7% |
| Uninsured deposits | 2.4% (stronger) | 7.5% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Local Credit Union has the higher TellerScore (92 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Tandem Federal Credit Union leads on 3 and The Local Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.