Side-by-side · Q2 2026 data
Edu Federal Credit Union vs Stepping Stones Community Federal Credit Union
Credit union
Stepping Stones Community Federal Credit Union
Wilmington, Delaware · Under $100 million in assets
Metric by metric
| Measure | Edu Federal Credit Union | Stepping Stones Community Federal Credit Union |
|---|---|---|
| TellerScore | 34 | 74 (stronger) |
| Capital cushion | 18 | 100 (stronger) |
| Loan quality | 14 (stronger) | 0 |
| Earnings | 18 | 100 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 64 | 92 (stronger) |
| Peer percentile | 2nd | 49th |
| Total assets | $44.2M | $8.3M |
| Deposits / shares | $41.2M | $4.3M |
| Capital ratio | 6.81% | 47.00% (stronger) |
| Problem loans | 2.57% (stronger) | 10.61% |
| Net charge-offs | 0.71% | -0.20% (stronger) |
| Return on assets | -0.05% | 8.67% (stronger) |
| Loans ÷ deposits | 51.1% | 39.2% (stronger) |
| Uninsured deposits | 0.5% (stronger) | 1.9% |
| Offices | 3 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Stepping Stones Community Federal Credit Union has the higher TellerScore (74 vs 34). On the 7 directional measures above (where higher or lower is clearly better), Edu Federal Credit Union leads on 2 and Stepping Stones Community Federal Credit Union on 5. 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.