Side-by-side · Q2 2026 data
Topmark Federal Credit Union vs Millstream Area Credit Union
Metric by metric
| Measure | Topmark Federal Credit Union | Millstream Area Credit Union |
|---|---|---|
| TellerScore | 56 | 82 (stronger) |
| Capital cushion | 52 | 76 (stronger) |
| Loan quality | 47 | 78 (stronger) |
| Earnings | 36 | 77 (stronger) |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 80 | 95 (stronger) |
| Peer percentile | 16th | 70th |
| Total assets | $62.6M | $70.8M |
| Deposits / shares | $56.2M | $61.3M |
| Capital ratio | 10.16% | 12.64% (stronger) |
| Problem loans | 1.60% | 0.66% (stronger) |
| Net charge-offs | 1.12% | 0.38% (stronger) |
| Return on assets | 0.39% | 1.41% (stronger) |
| Loans ÷ deposits | 70.7% | 55.9% (stronger) |
| Uninsured deposits | 1.4% | 0.0% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 31.4% | — |
Millstream Area Credit Union has the higher TellerScore (82 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Topmark Federal Credit Union leads on 0 and Millstream Area Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.