Side-by-side · Q2 2026 data
East Baton Rouge Teachers Federal Credit Union vs P.H.I. Federal Credit Union
Credit union
East Baton Rouge Teachers Federal Credit Union
Baton Rouge, Louisiana · Under $100 million in assets
Metric by metric
| Measure | East Baton Rouge Teachers Federal Credit Union | P.H.I. Federal Credit Union |
|---|---|---|
| TellerScore | 29 | 55 (stronger) |
| Capital cushion | 38 (stronger) | 20 |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 0 | 0 |
| Funding & liquidity | 100 (stronger) | 92 |
| Problem-loan coverage | 21 | 100 (stronger) |
| Peer percentile | 1st | 15th |
| Total assets | $4.8M | $4.9M |
| Deposits / shares | $4.3M | $4.5M |
| Capital ratio | 8.75% (stronger) | 6.97% |
| Problem loans | 7.75% | 0.00% (stronger) |
| Net charge-offs | 2.05% | -0.13% (stronger) |
| Return on assets | -1.33% | -0.59% (stronger) |
| Loans ÷ deposits | 58.6% (stronger) | 68.6% |
| Uninsured deposits | 1.8% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
P.H.I. Federal Credit Union has the higher TellerScore (55 vs 29). On the 7 directional measures above (where higher or lower is clearly better), East Baton Rouge Teachers Federal Credit Union leads on 2 and P.H.I. Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.