Side-by-side · Q2 2026 data
Councill Federal Credit Union vs S R I Employees Federal Credit Union
Credit union
S R I Employees Federal Credit Union
Birmingham, Alabama · Under $100 million in assets
Metric by metric
| Measure | Councill Federal Credit Union | S R I Employees Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 85 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 19 | 100 (stronger) |
| Earnings | 100 (stronger) | 25 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 62nd | 77th |
| Total assets | $2.8M | $3.7M |
| Deposits / shares | $2.4M | $2.3M |
| Capital ratio | 15.74% | 38.07% (stronger) |
| Problem loans | 2.43% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.91% |
| Return on assets | 2.53% (stronger) | 0.12% |
| Loans ÷ deposits | 27.0% (stronger) | 33.0% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
S R I Employees Federal Credit Union has the higher TellerScore (85 vs 79). On the 6 directional measures above (where higher or lower is clearly better), Councill Federal Credit Union leads on 3 and S R I Employees Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.