Side-by-side · Q2 2026 data
Alba-Golden Federal Credit Union vs Salt Employees Federal Credit Union
Credit union
Salt Employees Federal Credit Union
Grand Saline, Texas · Under $100 million in assets
Metric by metric
| Measure | Alba-Golden Federal Credit Union | Salt Employees Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 77 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 | 100 |
| Earnings | 75 (stronger) | 6 |
| Funding & liquidity | 68 | 69 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 89th | 57th |
| Total assets | $22.2M | $1.5M |
| Deposits / shares | $18.1M | $764K |
| Capital ratio | 16.84% | 44.66% (stronger) |
| Problem loans | 0.01% | 0.00% (stronger) |
| Net charge-offs | 1.16% | 1.15% (stronger) |
| Return on assets | 1.38% (stronger) | -0.35% |
| Loans ÷ deposits | 92.6% | 91.4% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Alba-Golden Federal Credit Union has the higher TellerScore (90 vs 77). On the 6 directional measures above (where higher or lower is clearly better), Alba-Golden Federal Credit Union leads on 2 and Salt Employees Federal Credit Union on 4. 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.