Side-by-side · Q2 2026 data
Cheney Federal Credit Union vs Responders Emergency Services Credit Union
Credit union
Responders Emergency Services Credit Union
Spokane, Washington · Under $100 million in assets
Metric by metric
| Measure | Cheney Federal Credit Union | Responders Emergency Services Credit Union |
|---|---|---|
| TellerScore | 69 | 87 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 82 | 100 (stronger) |
| Earnings | 44 (stronger) | 40 |
| Funding & liquidity | 100 (stronger) | 91 |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 48th | 83rd |
| Total assets | $147.9M | $56.2M |
| Deposits / shares | $131.8M | $46.3M |
| Capital ratio | 10.01% | 17.32% (stronger) |
| Problem loans | 0.55% | 0.01% (stronger) |
| Net charge-offs | 0.07% | -0.01% (stronger) |
| Return on assets | 0.60% (stronger) | 0.50% |
| Loans ÷ deposits | 57.6% (stronger) | 69.3% |
| Uninsured deposits | 5.4% (stronger) | 7.1% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Responders Emergency Services Credit Union has the higher TellerScore (87 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Cheney Federal Credit Union leads on 3 and Responders Emergency Services Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.