Side-by-side · Q2 2026 data
Truchoice Federal Credit Union vs Midcoast Federal Credit Union
Metric by metric
| Measure | Truchoice Federal Credit Union | Midcoast Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 66 (stronger) |
| Capital cushion | 61 | 61 |
| Loan quality | 43 | 86 (stronger) |
| Earnings | 66 (stronger) | 32 |
| Funding & liquidity | 71 (stronger) | 69 |
| Problem-loan coverage | 75 | 94 (stronger) |
| Peer percentile | 21st | 37th |
| Total assets | $257.4M | $267.1M |
| Deposits / shares | $231.1M | $235.7M |
| Capital ratio | 11.09% | 11.11% (stronger) |
| Problem loans | 1.72% | 0.41% (stronger) |
| Net charge-offs | 0.46% | 0.30% (stronger) |
| Return on assets | 1.14% (stronger) | 0.31% |
| Loans ÷ deposits | 89.7% (stronger) | 91.2% |
| Uninsured deposits | 7.5% | 5.5% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.4% | — |
Midcoast Federal Credit Union has the higher TellerScore (66 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Truchoice Federal Credit Union leads on 2 and Midcoast Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.