Side-by-side · Q2 2026 data
Teachers Federal Credit Union vs Municipal Credit Union
Metric by metric
| Measure | Teachers Federal Credit Union | Municipal Credit Union |
|---|---|---|
| TellerScore | 66 | 68 (stronger) |
| Capital cushion | 60 | 69 (stronger) |
| Loan quality | 60 (stronger) | 45 |
| Earnings | 55 | 76 (stronger) |
| Funding & liquidity | 89 (stronger) | 85 |
| Problem-loan coverage | 87 (stronger) | 81 |
| Peer percentile | 44th | 50th |
| Total assets | $9.9B | $5.2B |
| Deposits / shares | $8.2B | $4.5B |
| Capital ratio | 11.03% | 11.93% (stronger) |
| Problem loans | 1.19% (stronger) | 1.66% |
| Net charge-offs | 1.12% | 0.90% (stronger) |
| Return on assets | 0.89% | 1.40% (stronger) |
| Loans ÷ deposits | 70.9% (stronger) | 75.1% |
| Uninsured deposits | 8.8% | 5.4% (stronger) |
| Offices | 8 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.1% | 40.3% |
Municipal Credit Union has the higher TellerScore (68 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Teachers Federal Credit Union leads on 2 and Municipal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.