Side-by-side · Q2 2026 data
Widget Federal Credit Union vs First Capital Federal Credit Union
Metric by metric
| Measure | Widget Federal Credit Union | First Capital Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 81 (stronger) |
| Capital cushion | 57 | 70 (stronger) |
| Loan quality | 88 | 93 (stronger) |
| Earnings | 47 | 63 (stronger) |
| Funding & liquidity | 97 (stronger) | 94 |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 60th | 80th |
| Total assets | $480.3M | $368.5M |
| Deposits / shares | $428.1M | $322.4M |
| Capital ratio | 10.71% | 11.95% (stronger) |
| Problem loans | 0.36% | 0.20% (stronger) |
| Net charge-offs | 0.30% | 0.12% (stronger) |
| Return on assets | 0.69% | 1.07% (stronger) |
| Loans ÷ deposits | 63.4% (stronger) | 66.6% |
| Uninsured deposits | 3.0% (stronger) | 3.7% |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 49.1% | 18.7% |
First Capital Federal Credit Union has the higher TellerScore (81 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Widget Federal Credit Union leads on 2 and First Capital Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.