Side-by-side · Q2 2026 data
A & S Federal Credit Union vs S and J School Employees Federal Credit Union
Credit union
A & S Federal Credit Union
Aliquippa, Pennsylvania · Under $100 million in assets
Credit union
S and J School Employees Federal Credit Union
Wintersville, Ohio · Under $100 million in assets
Metric by metric
| Measure | A & S Federal Credit Union | S and J School Employees Federal Credit Union |
|---|---|---|
| TellerScore | 95 (stronger) | 45 |
| Capital cushion | 100 (stronger) | 59 |
| Loan quality | 82 (stronger) | 0 |
| Earnings | 97 (stronger) | 38 |
| Funding & liquidity | 100 (stronger) | 90 |
| Problem-loan coverage | 98 (stronger) | 65 |
| Peer percentile | 96th | 5th |
| Total assets | $39.3M | $3.1M |
| Deposits / shares | $33.3M | $2.7M |
| Capital ratio | 15.10% (stronger) | 10.92% |
| Problem loans | 0.55% (stronger) | 3.16% |
| Net charge-offs | 0.05% | 0.00% (stronger) |
| Return on assets | 1.92% (stronger) | 0.46% |
| Loans ÷ deposits | 37.9% (stronger) | 70.3% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
A & S Federal Credit Union has the higher TellerScore (95 vs 45). On the 6 directional measures above (where higher or lower is clearly better), A & S Federal Credit Union leads on 5 and S and J School Employees Federal Credit Union on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.