Side-by-side · Q2 2026 data
Trax Federal Credit Union vs Champions First Credit Union
Metric by metric
| Measure | Trax Federal Credit Union | Champions First Credit Union |
|---|---|---|
| TellerScore | 64 (stronger) | 60 |
| Capital cushion | 80 (stronger) | 58 |
| Loan quality | 40 | 58 (stronger) |
| Earnings | 31 | 45 (stronger) |
| Funding & liquidity | 100 (stronger) | 73 |
| Problem-loan coverage | 88 (stronger) | 80 |
| Peer percentile | 31st | 21st |
| Total assets | $485.1M | $540.7M |
| Deposits / shares | $416.4M | $478.8M |
| Capital ratio | 12.98% (stronger) | 10.82% |
| Problem loans | 1.80% | 1.27% (stronger) |
| Net charge-offs | 1.79% | 0.48% (stronger) |
| Return on assets | 0.28% | 0.62% (stronger) |
| Loans ÷ deposits | 51.9% (stronger) | 87.6% |
| Uninsured deposits | 11.5% | 6.4% (stronger) |
| Offices | 9 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 30.0% | — |
Trax Federal Credit Union has the higher TellerScore (64 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Trax Federal Credit Union leads on 3 and Champions First Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.