Side-by-side · Q2 2026 data
Ellafi Federal Credit Union vs Sound Federal Credit Union
Metric by metric
| Measure | Ellafi Federal Credit Union | Sound Federal Credit Union |
|---|---|---|
| TellerScore | 57 (stronger) | 53 |
| Capital cushion | 23 | 26 (stronger) |
| Loan quality | 89 (stronger) | 52 |
| Earnings | 24 | 80 (stronger) |
| Funding & liquidity | 91 (stronger) | 78 |
| Problem-loan coverage | 94 (stronger) | 43 |
| Peer percentile | 14th | 9th |
| Total assets | $178.1M | $115.5M |
| Deposits / shares | $160.9M | $105.2M |
| Capital ratio | 7.29% | 7.60% (stronger) |
| Problem loans | 0.33% (stronger) | 1.43% |
| Net charge-offs | 0.41% | 0.35% (stronger) |
| Return on assets | 0.11% | 1.51% (stronger) |
| Loans ÷ deposits | 69.7% (stronger) | 82.5% |
| Uninsured deposits | 2.6% (stronger) | 3.1% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ellafi Federal Credit Union has the higher TellerScore (57 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Ellafi Federal Credit Union leads on 4 and Sound Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.