Side-by-side · Q2 2026 data
Educational Federal Credit Union vs Compass Financial Federal Credit Union
Credit union
Compass Financial Federal Credit Union
Hialeah, Florida · Under $100 million in assets
Metric by metric
| Measure | Educational Federal Credit Union | Compass Financial Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 64 |
| Capital cushion | 100 (stronger) | 55 |
| Loan quality | 80 | 94 (stronger) |
| Earnings | 59 (stronger) | 15 |
| Funding & liquidity | 87 (stronger) | 79 |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 93rd | 28th |
| Total assets | $1.8B | $25.9M |
| Deposits / shares | $1.6B | $22.4M |
| Capital ratio | 15.45% (stronger) | 10.54% |
| Problem loans | 0.61% | 0.17% (stronger) |
| Net charge-offs | 0.49% (stronger) | 0.96% |
| Return on assets | 0.99% (stronger) | -0.11% |
| Loans ÷ deposits | 73.0% (stronger) | 80.9% |
| Uninsured deposits | 9.5% (stronger) | 11.7% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 41.6% | — |
Educational Federal Credit Union has the higher TellerScore (84 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Educational Federal Credit Union leads on 6 and Compass Financial 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.