Side-by-side · Q2 2026 data
Edwards Federal Credit Union vs Central State Credit Union
Metric by metric
| Measure | Edwards Federal Credit Union | Central State Credit Union |
|---|---|---|
| TellerScore | 56 | 65 (stronger) |
| Capital cushion | 38 | 40 (stronger) |
| Loan quality | 73 | 87 (stronger) |
| Earnings | 13 | 31 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 90 | 97 (stronger) |
| Peer percentile | 13th | 34th |
| Total assets | $276.6M | $258.2M |
| Deposits / shares | $253.9M | $211.3M |
| Capital ratio | 8.76% | 9.01% (stronger) |
| Problem loans | 0.81% | 0.40% (stronger) |
| Net charge-offs | 0.49% | 0.28% (stronger) |
| Return on assets | -0.18% | 0.28% (stronger) |
| Loans ÷ deposits | 60.5% | 40.8% (stronger) |
| Uninsured deposits | 11.0% | 6.2% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Central State Credit Union has the higher TellerScore (65 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Edwards Federal Credit Union leads on 0 and Central State Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.