Side-by-side · Q2 2026 data
Educational Federal Credit Union vs Baptist Health South Florida Federal Credit Union
Credit union
Baptist Health South Florida Federal Credit Union
Miami, Florida · $100 million – $1 billion
Metric by metric
| Measure | Educational Federal Credit Union | Baptist Health South Florida Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 71 |
| Capital cushion | 100 (stronger) | 60 |
| Loan quality | 80 (stronger) | 79 |
| Earnings | 59 | 59 |
| Funding & liquidity | 87 (stronger) | 79 |
| Problem-loan coverage | 95 (stronger) | 91 |
| Peer percentile | 93rd | 54th |
| Total assets | $1.8B | $140.2M |
| Deposits / shares | $1.6B | $122.9M |
| Capital ratio | 15.45% (stronger) | 11.04% |
| Problem loans | 0.61% (stronger) | 0.62% |
| Net charge-offs | 0.49% (stronger) | 0.79% |
| Return on assets | 0.99% (stronger) | 0.98% |
| Loans ÷ deposits | 73.0% (stronger) | 81.4% |
| Uninsured deposits | 9.5% | 2.4% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 41.6% | — |
Educational Federal Credit Union has the higher TellerScore (84 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Educational Federal Credit Union leads on 6 and Baptist Health South Florida Federal Credit Union on 1. 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.