Side-by-side · Q2 2026 data
Educational Federal Credit Union vs Tropical Financial Credit Union
Metric by metric
| Measure | Educational Federal Credit Union | Tropical Financial Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 58 |
| Capital cushion | 100 (stronger) | 45 |
| Loan quality | 80 (stronger) | 71 |
| Earnings | 59 (stronger) | 44 |
| Funding & liquidity | 87 (stronger) | 65 |
| Problem-loan coverage | 95 (stronger) | 83 |
| Peer percentile | 93rd | 19th |
| Total assets | $1.8B | $1.0B |
| Deposits / shares | $1.6B | $884.2M |
| Capital ratio | 15.45% (stronger) | 9.47% |
| Problem loans | 0.61% (stronger) | 0.88% |
| Net charge-offs | 0.49% (stronger) | 0.59% |
| Return on assets | 0.99% (stronger) | 0.61% |
| Loans ÷ deposits | 73.0% (stronger) | 95.2% |
| Uninsured deposits | 9.5% | 7.7% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 41.6% | 47.5% |
Educational Federal Credit Union has the higher TellerScore (84 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Educational Federal Credit Union leads on 6 and Tropical Financial Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.