Side-by-side · Q2 2026 data
The Commercial Bank vs Navy Federal Credit Union
Metric by metric
| Measure | The Commercial Bank | Navy Federal Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 66 |
| Capital cushion | 56 | 67 (stronger) |
| Loan quality | 92 (stronger) | 47 |
| Earnings | 56 | 75 (stronger) |
| Funding & liquidity | 75 | 76 (stronger) |
| Problem-loan coverage | 95 (stronger) | 80 |
| Peer percentile | 50th | 60th |
| Total assets | $295.5M | $204.4B |
| Deposits / shares | $267.0M | $173.4B |
| Capital ratio | 10.60% | 11.65% (stronger) |
| Problem loans | 0.25% (stronger) | 1.58% |
| Net charge-offs | 0.08% (stronger) | 2.35% |
| Return on assets | 0.91% | 1.38% (stronger) |
| Loans ÷ deposits | 63.0% (stronger) | 84.4% |
| Uninsured deposits | 35.4% | 9.7% (stronger) |
| Offices | 5 | 134 |
| CFPB complaints (3 yrs) | — | 34,444 |
| Complaints per $1B deposits | — | 198.7 |
| Mortgage denial rate (HMDA) | — | 32.9% |
The Commercial Bank has the higher TellerScore (72 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The Commercial Bank leads on 4 and Navy Federal Credit Union on 3. 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.