Side-by-side · Q2 2026 data
Cinfed Federal Credit Union vs St. James Parish Credit Union
Metric by metric
| Measure | Cinfed Federal Credit Union | St. James Parish Credit Union |
|---|---|---|
| TellerScore | 72 | 90 (stronger) |
| Capital cushion | 66 | 100 (stronger) |
| Loan quality | 90 | 100 (stronger) |
| Earnings | 53 | 72 (stronger) |
| Funding & liquidity | 61 | 68 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 57th | 89th |
| Total assets | $863.2M | $5.9M |
| Deposits / shares | $723.6M | $4.4M |
| Capital ratio | 11.56% | 21.83% (stronger) |
| Problem loans | 0.30% | 0.00% (stronger) |
| Net charge-offs | 0.21% (stronger) | 0.66% |
| Return on assets | 0.84% | 1.29% (stronger) |
| Loans ÷ deposits | 99.5% | 92.4% (stronger) |
| Uninsured deposits | 0.4% | 0.0% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.6% | — |
St. James Parish Credit Union has the higher TellerScore (90 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Cinfed Federal Credit Union leads on 1 and St. James Parish 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.