Side-by-side · Q2 2026 data
The Local Federal Credit Union vs Concho Valley Credit Union
Metric by metric
| Measure | The Local Federal Credit Union | Concho Valley Credit Union |
|---|---|---|
| TellerScore | 72 | 78 (stronger) |
| Capital cushion | 100 (stronger) | 64 |
| Loan quality | 81 | 95 (stronger) |
| Earnings | 15 | 51 (stronger) |
| Funding & liquidity | 61 | 100 (stronger) |
| Problem-loan coverage | 93 | 99 (stronger) |
| Peer percentile | 44th | 59th |
| Total assets | $25.8M | $25.7M |
| Deposits / shares | $19.8M | $22.6M |
| Capital ratio | 21.18% (stronger) | 11.44% |
| Problem loans | 0.57% | 0.14% (stronger) |
| Net charge-offs | 0.87% | 0.10% (stronger) |
| Return on assets | -0.12% | 0.79% (stronger) |
| Loans ÷ deposits | 99.2% | 59.6% (stronger) |
| Uninsured deposits | 3.0% (stronger) | 3.5% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Concho Valley Credit Union has the higher TellerScore (78 vs 72). On the 7 directional measures above (where higher or lower is clearly better), The Local Federal Credit Union leads on 2 and Concho Valley Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.