Side-by-side · Q2 2026 data
Electrical Federal Credit Union vs Westminster Federal Credit Union
Credit union
Westminster Federal Credit Union
Westminster, Colorado · Under $100 million in assets
Metric by metric
| Measure | Electrical Federal Credit Union | Westminster Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 63 |
| Capital cushion | 80 (stronger) | 47 |
| Loan quality | 75 (stronger) | 63 |
| Earnings | 49 (stronger) | 46 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 95 (stronger) | 89 |
| Peer percentile | 57th | 26th |
| Total assets | $54.3M | $54.6M |
| Deposits / shares | $47.1M | $49.0M |
| Capital ratio | 12.99% (stronger) | 9.73% |
| Problem loans | 0.75% (stronger) | 1.11% |
| Net charge-offs | 0.96% | 0.18% (stronger) |
| Return on assets | 0.73% (stronger) | 0.66% |
| Loans ÷ deposits | 52.5% (stronger) | 54.0% |
| Uninsured deposits | 4.9% (stronger) | 10.0% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Electrical Federal Credit Union has the higher TellerScore (77 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Electrical Federal Credit Union leads on 6 and Westminster Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.