Side-by-side · Q2 2026 data
The Commercial Bank vs Founders Federal Credit Union
Metric by metric
| Measure | The Commercial Bank | Founders Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 79 (stronger) |
| Capital cushion | 76 | 86 (stronger) |
| Loan quality | 75 | 77 (stronger) |
| Earnings | 51 | 77 (stronger) |
| Funding & liquidity | 97 (stronger) | 66 |
| Problem-loan coverage | 94 (stronger) | 91 |
| Peer percentile | 64th | 86th |
| Total assets | $284.2M | $5.2B |
| Deposits / shares | $251.4M | $4.4B |
| Capital ratio | 12.65% | 13.62% (stronger) |
| Problem loans | 0.75% | 0.68% (stronger) |
| Net charge-offs | -0.00% (stronger) | 1.07% |
| Return on assets | 0.77% | 1.43% (stronger) |
| Loans ÷ deposits | 40.3% (stronger) | 94.2% |
| Uninsured deposits | 17.8% | 11.4% (stronger) |
| Offices | 7 | 28 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 26.2% |
Founders Federal Credit Union has the higher TellerScore (79 vs 76). On the 7 directional measures above (where higher or lower is clearly better), The Commercial Bank leads on 2 and Founders 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.