Side-by-side · Q2 2026 data
Educational Federal Credit Union vs Miami Postal Service Credit Union
Metric by metric
| Measure | Educational Federal Credit Union | Miami Postal Service Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 64 |
| Capital cushion | 100 (stronger) | 43 |
| Loan quality | 80 | 91 (stronger) |
| Earnings | 59 (stronger) | 27 |
| Funding & liquidity | 87 | 89 (stronger) |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 93rd | 31st |
| Total assets | $1.8B | $184.3M |
| Deposits / shares | $1.6B | $164.7M |
| Capital ratio | 15.45% (stronger) | 9.25% |
| Problem loans | 0.61% | 0.26% (stronger) |
| Net charge-offs | 0.49% (stronger) | 1.05% |
| Return on assets | 0.99% (stronger) | 0.16% |
| Loans ÷ deposits | 73.0% | 70.9% (stronger) |
| Uninsured deposits | 9.5% | 9.3% (stronger) |
| Offices | 4 | 3 |
| 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 4 and Miami Postal Service Credit Union on 3. 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.