Side-by-side · Q2 2026 data
Applied Bank vs Edu Federal Credit Union
Metric by metric
| Measure | Applied Bank | Edu Federal Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 34 |
| Capital cushion | 100 (stronger) | 18 |
| Loan quality | 100 (stronger) | 14 |
| Earnings | 100 (stronger) | 18 |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 64 |
| Peer percentile | 98th | 2nd |
| Total assets | $274.1M | $44.2M |
| Deposits / shares | $228.6M | $41.2M |
| Capital ratio | 17.49% (stronger) | 6.81% |
| Problem loans | 0.00% (stronger) | 2.57% |
| Net charge-offs | 0.00% (stronger) | 0.71% |
| Return on assets | 2.54% (stronger) | -0.05% |
| Loans ÷ deposits | 24.2% (stronger) | 51.1% |
| Uninsured deposits | 64.1% | 0.5% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Applied Bank has the higher TellerScore (93 vs 34). On the 7 directional measures above (where higher or lower is clearly better), Applied Bank leads on 6 and Edu 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.