Side-by-side · Q2 2026 data
Deming Schools Employees Credit Union vs Rincones Presbyterian Credit Union
Credit union
Deming Schools Employees Credit Union
Deming, New Mexico · Under $100 million in assets
Credit union
Rincones Presbyterian Credit Union
Chacon, New Mexico · Under $100 million in assets
Metric by metric
| Measure | Deming Schools Employees Credit Union | Rincones Presbyterian Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 64 |
| Capital cushion | 100 (stronger) | 53 |
| Loan quality | 96 (stronger) | 48 |
| Earnings | 43 | 90 (stronger) |
| Funding & liquidity | 100 (stronger) | 71 |
| Problem-loan coverage | 100 (stronger) | 79 |
| Peer percentile | 85th | 28th |
| Total assets | $5.4M | $6.5M |
| Deposits / shares | $4.0M | $5.8M |
| Capital ratio | 24.76% (stronger) | 10.33% |
| Problem loans | 0.11% (stronger) | 1.55% |
| Net charge-offs | 0.33% | -0.03% (stronger) |
| Return on assets | 0.57% | 1.76% (stronger) |
| Loans ÷ deposits | 40.5% (stronger) | 89.5% |
| Uninsured deposits | 0.0% (stronger) | 7.3% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Deming Schools Employees Credit Union has the higher TellerScore (88 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Deming Schools Employees Credit Union leads on 5 and Rincones Presbyterian Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.