Side-by-side · Q2 2026 data
Air Academy Federal Credit Union vs School District 3 Federal Credit Union
Credit union
Air Academy Federal Credit Union
Colorado Spring, Colorado · $100 million – $1 billion
Credit union
School District 3 Federal Credit Union
Colorado Spring, Colorado · Under $100 million in assets
Metric by metric
| Measure | Air Academy Federal Credit Union | School District 3 Federal Credit Union |
|---|---|---|
| TellerScore | 59 | 91 (stronger) |
| Capital cushion | 35 | 100 (stronger) |
| Loan quality | 86 | 100 (stronger) |
| Earnings | 35 | 54 (stronger) |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 19th | 90th |
| Total assets | $810.4M | $36.0M |
| Deposits / shares | $720.0M | $30.2M |
| Capital ratio | 8.49% | 15.70% (stronger) |
| Problem loans | 0.41% | 0.00% (stronger) |
| Net charge-offs | 0.59% | -0.00% (stronger) |
| Return on assets | 0.36% | 0.84% (stronger) |
| Loans ÷ deposits | 89.9% | 55.0% (stronger) |
| Uninsured deposits | 3.9% | 3.3% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.0% | — |
School District 3 Federal Credit Union has the higher TellerScore (91 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Air Academy Federal Credit Union leads on 0 and School District 3 Federal Credit Union on 7. 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.