Side-by-side · Q2 2026 data
Delta Schools Federal Credit Union vs Spokane Teachers Credit Union
Credit union
Delta Schools Federal Credit Union
Antioch, California · Under $100 million in assets
Credit union
Spokane Teachers Credit Union
Liberty Lake, Washington · $1 billion – $10 billion
Metric by metric
| Measure | Delta Schools Federal Credit Union | Spokane Teachers Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 57 |
| Capital cushion | 57 (stronger) | 54 |
| Loan quality | 100 (stronger) | 54 |
| Earnings | 67 (stronger) | 47 |
| Funding & liquidity | 100 (stronger) | 64 |
| Problem-loan coverage | 100 (stronger) | 78 |
| Peer percentile | 68th | 17th |
| Total assets | $66.5M | $6.4B |
| Deposits / shares | $59.0M | $5.4B |
| Capital ratio | 10.74% (stronger) | 10.38% |
| Problem loans | 0.00% (stronger) | 1.39% |
| Net charge-offs | 0.05% (stronger) | 0.64% |
| Return on assets | 1.18% (stronger) | 0.67% |
| Loans ÷ deposits | 49.9% (stronger) | 96.6% |
| Uninsured deposits | 0.9% (stronger) | 10.1% |
| Offices | 3 | 34 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Delta Schools Federal Credit Union has the higher TellerScore (81 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Delta Schools Federal Credit Union leads on 7 and Spokane Teachers Credit Union on 0. 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.