Side-by-side · Q2 2026 data
Cogent Bank vs Financial Educators Federal Credit Union
Credit union
Financial Educators Federal Credit Union
Daytona Beach, Florida · Under $100 million in assets
Metric by metric
| Measure | Cogent Bank | Financial Educators Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 90 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 87 | 100 (stronger) |
| Earnings | 100 (stronger) | 49 |
| Funding & liquidity | 43 | 99 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 66th | 89th |
| Total assets | $2.5B | $23.5M |
| Deposits / shares | $2.2B | $19.7M |
| Capital ratio | 9.72% | 15.68% (stronger) |
| Problem loans | 0.39% | 0.00% (stronger) |
| Net charge-offs | 0.09% (stronger) | 0.77% |
| Return on assets | 2.22% (stronger) | 0.73% |
| Loans ÷ deposits | 82.5% | 60.9% (stronger) |
| Uninsured deposits | 46.3% | 9.1% (stronger) |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.6% | — |
Financial Educators Federal Credit Union has the higher TellerScore (90 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Cogent Bank leads on 2 and Financial Educators Federal Credit Union on 5. 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.