Side-by-side · Q2 2026 data
Educational Federal Credit Union vs Publix Employees Federal Credit Union
Metric by metric
| Measure | Educational Federal Credit Union | Publix Employees Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 74 |
| Capital cushion | 100 (stronger) | 63 |
| Loan quality | 80 | 84 (stronger) |
| Earnings | 59 (stronger) | 57 |
| Funding & liquidity | 87 | 91 (stronger) |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 93rd | 72nd |
| Total assets | $1.8B | $1.8B |
| Deposits / shares | $1.6B | $1.6B |
| Capital ratio | 15.45% (stronger) | 11.29% |
| Problem loans | 0.61% | 0.48% (stronger) |
| Net charge-offs | 0.49% (stronger) | 0.60% |
| Return on assets | 0.99% (stronger) | 0.93% |
| Loans ÷ deposits | 73.0% | 68.9% (stronger) |
| Uninsured deposits | 9.5% (stronger) | 9.9% |
| Offices | 4 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 41.6% | 48.4% |
Educational Federal Credit Union has the higher TellerScore (84 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Educational Federal Credit Union leads on 5 and Publix Employees Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.