Side-by-side · Q2 2026 data
Electrical Federal Credit Union vs School District 3 Federal Credit Union
Credit union
School District 3 Federal Credit Union
Colorado Spring, Colorado · Under $100 million in assets
Metric by metric
| Measure | Electrical Federal Credit Union | School District 3 Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 91 (stronger) |
| Capital cushion | 80 | 100 (stronger) |
| Loan quality | 75 | 100 (stronger) |
| Earnings | 49 | 54 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 57th | 90th |
| Total assets | $54.3M | $36.0M |
| Deposits / shares | $47.1M | $30.2M |
| Capital ratio | 12.99% | 15.70% (stronger) |
| Problem loans | 0.75% | 0.00% (stronger) |
| Net charge-offs | 0.96% | -0.00% (stronger) |
| Return on assets | 0.73% | 0.84% (stronger) |
| Loans ÷ deposits | 52.5% (stronger) | 55.0% |
| Uninsured deposits | 4.9% | 3.3% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
School District 3 Federal Credit Union has the higher TellerScore (91 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Electrical Federal Credit Union leads on 1 and School District 3 Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.