Side-by-side · Q2 2026 data
705 Federal Credit Union vs Geismar Complex Federal Credit Union
Credit union
705 Federal Credit Union
Lafayette, Louisiana · Under $100 million in assets
Credit union
Geismar Complex Federal Credit Union
Geismar, Louisiana · Under $100 million in assets
Metric by metric
| Measure | 705 Federal Credit Union | Geismar Complex Federal Credit Union |
|---|---|---|
| TellerScore | 41 | 80 (stronger) |
| Capital cushion | 29 | 81 (stronger) |
| Loan quality | 32 | 83 (stronger) |
| Earnings | 29 | 60 (stronger) |
| Funding & liquidity | 83 | 91 (stronger) |
| Problem-loan coverage | 61 | 95 (stronger) |
| Peer percentile | 3rd | 65th |
| Total assets | $43.0M | $44.6M |
| Deposits / shares | $39.1M | $38.6M |
| Capital ratio | 7.91% | 13.11% (stronger) |
| Problem loans | 2.03% | 0.51% (stronger) |
| Net charge-offs | 0.54% | -0.15% (stronger) |
| Return on assets | 0.23% | 1.01% (stronger) |
| Loans ÷ deposits | 77.2% | 69.0% (stronger) |
| Uninsured deposits | 10.5% | 10.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Geismar Complex Federal Credit Union has the higher TellerScore (80 vs 41). On the 7 directional measures above (where higher or lower is clearly better), 705 Federal Credit Union leads on 0 and Geismar Complex Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.