Side-by-side · Q2 2026 data
Electrical Federal Credit Union vs San Juan Mountains Credit Union
Metric by metric
| Measure | Electrical Federal Credit Union | San Juan Mountains Credit Union |
|---|---|---|
| TellerScore | 77 | 78 (stronger) |
| Capital cushion | 80 (stronger) | 60 |
| Loan quality | 75 | 89 (stronger) |
| Earnings | 49 | 70 (stronger) |
| Funding & liquidity | 100 (stronger) | 94 |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 57th | 59th |
| Total assets | $54.3M | $61.3M |
| Deposits / shares | $47.1M | $54.3M |
| Capital ratio | 12.99% (stronger) | 10.97% |
| Problem loans | 0.75% | 0.33% (stronger) |
| Net charge-offs | 0.96% | 0.01% (stronger) |
| Return on assets | 0.73% | 1.25% (stronger) |
| Loans ÷ deposits | 52.5% (stronger) | 66.6% |
| Uninsured deposits | 4.9% (stronger) | 7.8% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
San Juan Mountains Credit Union has the higher TellerScore (78 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Electrical Federal Credit Union leads on 3 and San Juan Mountains Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.