Side-by-side · Q2 2026 data
Tucoemas Federal Credit Union vs Monterey Credit Union
Metric by metric
| Measure | Tucoemas Federal Credit Union | Monterey Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 50 |
| Capital cushion | 53 (stronger) | 38 |
| Loan quality | 58 | 68 (stronger) |
| Earnings | 98 (stronger) | 13 |
| Funding & liquidity | 100 (stronger) | 73 |
| Problem-loan coverage | 87 (stronger) | 81 |
| Peer percentile | 63rd | 6th |
| Total assets | $332.0M | $360.5M |
| Deposits / shares | $298.5M | $296.4M |
| Capital ratio | 10.34% (stronger) | 8.75% |
| Problem loans | 1.25% | 0.97% (stronger) |
| Net charge-offs | 2.51% | 0.70% (stronger) |
| Return on assets | 1.96% (stronger) | -0.18% |
| Loans ÷ deposits | 49.7% (stronger) | 87.5% |
| Uninsured deposits | 4.3% | 0.0% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 50.0% |
Tucoemas Federal Credit Union has the higher TellerScore (74 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Tucoemas Federal Credit Union leads on 4 and Monterey Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.