Side-by-side · Q2 2026 data
Educational Federal Credit Union vs Memorial Employees Financial Credit Union
Credit union
Memorial Employees Financial Credit Union
Hollywood, Florida · Under $100 million in assets
Metric by metric
| Measure | Educational Federal Credit Union | Memorial Employees Financial Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 73 |
| Capital cushion | 100 (stronger) | 61 |
| Loan quality | 80 | 94 (stronger) |
| Earnings | 59 (stronger) | 33 |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 93rd | 47th |
| Total assets | $1.8B | $92.5M |
| Deposits / shares | $1.6B | $83.6M |
| Capital ratio | 15.45% (stronger) | 11.08% |
| Problem loans | 0.61% | 0.18% (stronger) |
| Net charge-offs | 0.49% | 0.29% (stronger) |
| Return on assets | 0.99% (stronger) | 0.33% |
| Loans ÷ deposits | 73.0% | 49.9% (stronger) |
| Uninsured deposits | 9.5% | 4.3% (stronger) |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 41.6% | — |
Educational Federal Credit Union has the higher TellerScore (84 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Educational Federal Credit Union leads on 3 and Memorial Employees Financial Credit Union on 4. 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.