Side-by-side · Q2 2026 data
Educational Federal Credit Union vs Shaw-Ross Employees Credit Union
Metric by metric
| Measure | Educational Federal Credit Union | Shaw-Ross Employees Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 81 |
| Capital cushion | 100 (stronger) | 99 |
| Loan quality | 80 | 82 (stronger) |
| Earnings | 59 (stronger) | 29 |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 93rd | 68th |
| Total assets | $1.8B | $6.8M |
| Deposits / shares | $1.6B | $5.8M |
| Capital ratio | 15.45% (stronger) | 14.89% |
| Problem loans | 0.61% | 0.53% (stronger) |
| Net charge-offs | 0.49% | 0.00% (stronger) |
| Return on assets | 0.99% (stronger) | 0.24% |
| Loans ÷ deposits | 73.0% | 6.0% (stronger) |
| Uninsured deposits | 9.5% (stronger) | 10.6% |
| 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 81). On the 7 directional measures above (where higher or lower is clearly better), Educational Federal Credit Union leads on 4 and Shaw-Ross Employees 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.