Side-by-side · Q2 2026 data
BankUnited, National Association vs Educational Federal Credit Union
Metric by metric
| Measure | BankUnited, National Association | Educational Federal Credit Union |
|---|---|---|
| TellerScore | 47 | 84 (stronger) |
| Capital cushion | 44 | 100 (stronger) |
| Loan quality | 44 | 80 (stronger) |
| Earnings | 55 | 59 (stronger) |
| Funding & liquidity | 31 | 87 (stronger) |
| Problem-loan coverage | 76 | 95 (stronger) |
| Peer percentile | 10th | 93rd |
| Total assets | $34.9B | $1.8B |
| Deposits / shares | $29.1B | $1.6B |
| Capital ratio | 9.43% | 15.45% (stronger) |
| Problem loans | 1.69% | 0.61% (stronger) |
| Net charge-offs | 0.35% (stronger) | 0.49% |
| Return on assets | 0.87% | 0.99% (stronger) |
| Loans ÷ deposits | 81.5% | 73.0% (stronger) |
| Uninsured deposits | 57.9% | 9.5% (stronger) |
| Offices | 57 | 4 |
| CFPB complaints (3 yrs) | 18 | — |
| Complaints per $1B deposits | 0.6 | — |
| Mortgage denial rate (HMDA) | — | 41.6% |
Educational Federal Credit Union has the higher TellerScore (84 vs 47). On the 7 directional measures above (where higher or lower is clearly better), BankUnited, National Association leads on 1 and Educational Federal Credit Union on 6. 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.