Side-by-side · Q2 2026 data
The Summit Federal Credit Union vs Beginnings Credit Union
Metric by metric
| Measure | The Summit Federal Credit Union | Beginnings Credit Union |
|---|---|---|
| TellerScore | 72 | 77 (stronger) |
| Capital cushion | 63 | 90 (stronger) |
| Loan quality | 89 (stronger) | 77 |
| Earnings | 55 (stronger) | 49 |
| Funding & liquidity | 69 | 78 (stronger) |
| Problem-loan coverage | 95 (stronger) | 93 |
| Peer percentile | 66th | 82nd |
| Total assets | $1.5B | $1.5B |
| Deposits / shares | $1.3B | $1.3B |
| Capital ratio | 11.31% | 14.01% (stronger) |
| Problem loans | 0.34% (stronger) | 0.69% |
| Net charge-offs | 0.22% (stronger) | 0.39% |
| Return on assets | 0.86% (stronger) | 0.73% |
| Loans ÷ deposits | 91.7% | 82.3% (stronger) |
| Uninsured deposits | 5.6% (stronger) | 9.2% |
| Offices | 2 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Beginnings Credit Union has the higher TellerScore (77 vs 72). On the 7 directional measures above (where higher or lower is clearly better), The Summit Federal Credit Union leads on 4 and Beginnings Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.