Side-by-side · Q2 2026 data
Efcu Financial Federal Credit Union vs Onpath Federal Credit Union
Credit union
Efcu Financial Federal Credit Union
Baton Rouge, Louisiana · $1 billion – $10 billion
Metric by metric
| Measure | Efcu Financial Federal Credit Union | Onpath Federal Credit Union |
|---|---|---|
| TellerScore | 65 (stronger) | 56 |
| Capital cushion | 47 | 50 (stronger) |
| Loan quality | 87 (stronger) | 55 |
| Earnings | 56 (stronger) | 50 |
| Funding & liquidity | 58 | 61 (stronger) |
| Problem-loan coverage | 92 (stronger) | 76 |
| Peer percentile | 41st | 15th |
| Total assets | $1.3B | $1.5B |
| Deposits / shares | $1.1B | $1.2B |
| Capital ratio | 9.72% | 10.04% (stronger) |
| Problem loans | 0.38% (stronger) | 1.35% |
| Net charge-offs | 0.31% (stronger) | 1.15% |
| Return on assets | 0.91% (stronger) | 0.74% |
| Loans ÷ deposits | 102.3% | 99.5% (stronger) |
| Uninsured deposits | 5.7% (stronger) | 9.8% |
| Offices | 7 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.8% |
Efcu Financial Federal Credit Union has the higher TellerScore (65 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Efcu Financial Federal Credit Union leads on 5 and Onpath Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.