Side-by-side · Q2 2026 data
Eddy Federal Credit Union vs Financial Security Credit Union
Credit union
Financial Security Credit Union
Carlsbad, New Mexico · Under $100 million in assets
Metric by metric
| Measure | Eddy Federal Credit Union | Financial Security Credit Union |
|---|---|---|
| TellerScore | 80 | 81 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 77 |
| Earnings | 20 | 58 (stronger) |
| Funding & liquidity | 70 | 71 (stronger) |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 65th | 68th |
| Total assets | $61.8M | $63.6M |
| Deposits / shares | $50.0M | $52.8M |
| Capital ratio | 18.34% (stronger) | 16.62% |
| Problem loans | 0.00% (stronger) | 0.69% |
| Net charge-offs | 1.30% | -0.01% (stronger) |
| Return on assets | -0.00% | 0.96% (stronger) |
| Loans ÷ deposits | 90.5% | 88.9% (stronger) |
| Uninsured deposits | 6.8% | 6.4% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Financial Security Credit Union has the higher TellerScore (81 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Eddy Federal Credit Union leads on 2 and Financial Security Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.