Side-by-side · Q2 2026 data
Delta Refining Co Emp Federal Credit Union vs Smart Choice Credit Union
Credit union
Delta Refining Co Emp Federal Credit Union
Memphis, Tennessee · Under $100 million in assets
Credit union
Smart Choice Credit Union
Cleveland, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Delta Refining Co Emp Federal Credit Union | Smart Choice Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 54 |
| Capital cushion | 100 (stronger) | 44 |
| Loan quality | 100 (stronger) | 66 |
| Earnings | 0 | 0 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 65th | 13th |
| Total assets | $4.6M | $3.4M |
| Deposits / shares | $3.6M | $3.1M |
| Capital ratio | 21.36% (stronger) | 9.36% |
| Problem loans | 0.00% (stronger) | 1.03% |
| Net charge-offs | 0.03% (stronger) | 3.15% |
| Return on assets | -0.59% (stronger) | -1.69% |
| Loans ÷ deposits | 27.7% (stronger) | 44.8% |
| Uninsured deposits | 0.0% | 0.0% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Delta Refining Co Emp Federal Credit Union has the higher TellerScore (80 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Delta Refining Co Emp Federal Credit Union leads on 6 and Smart Choice Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.