Side-by-side · Q2 2026 data
Bluestone Federal Credit Union vs Explorers Federal Credit Union
Credit union
Bluestone Federal Credit Union
Sioux Falls, South Dakota · $100 million – $1 billion
Metric by metric
| Measure | Bluestone Federal Credit Union | Explorers Federal Credit Union |
|---|---|---|
| TellerScore | 68 (stronger) | 65 |
| Capital cushion | 46 | 46 |
| Loan quality | 83 | 84 (stronger) |
| Earnings | 55 (stronger) | 37 |
| Funding & liquidity | 88 | 91 (stronger) |
| Problem-loan coverage | 93 | 94 (stronger) |
| Peer percentile | 45th | 34th |
| Total assets | $205.6M | $111.5M |
| Deposits / shares | $176.4M | $100.0M |
| Capital ratio | 9.57% | 9.63% (stronger) |
| Problem loans | 0.50% | 0.49% (stronger) |
| Net charge-offs | 0.70% | -0.01% (stronger) |
| Return on assets | 0.87% (stronger) | 0.41% |
| Loans ÷ deposits | 72.6% | 69.2% (stronger) |
| Uninsured deposits | 9.3% | 1.3% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.6% | — |
Bluestone Federal Credit Union has the higher TellerScore (68 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Bluestone Federal Credit Union leads on 2 and Explorers Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.