Side-by-side · Q2 2026 data
Employees Federal Credit Union vs Saint Francis Employees Federal Credit Union
Credit union
Saint Francis Employees Federal Credit Union
Tulsa, Oklahoma · Under $100 million in assets
Metric by metric
| Measure | Employees Federal Credit Union | Saint Francis Employees Federal Credit Union |
|---|---|---|
| TellerScore | 55 | 92 (stronger) |
| Capital cushion | 35 | 100 (stronger) |
| Loan quality | 67 | 93 (stronger) |
| Earnings | 30 | 70 (stronger) |
| Funding & liquidity | 94 | 99 (stronger) |
| Problem-loan coverage | 72 | 99 (stronger) |
| Peer percentile | 15th | 92nd |
| Total assets | $46.8M | $44.7M |
| Deposits / shares | $42.6M | $37.2M |
| Capital ratio | 8.54% | 15.92% (stronger) |
| Problem loans | 0.98% | 0.20% (stronger) |
| Net charge-offs | 0.61% | 0.46% (stronger) |
| Return on assets | 0.25% | 1.24% (stronger) |
| Loans ÷ deposits | 65.8% | 41.0% (stronger) |
| Uninsured deposits | 3.3% (stronger) | 15.9% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Saint Francis Employees Federal Credit Union has the higher TellerScore (92 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Employees Federal Credit Union leads on 1 and Saint Francis Employees Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.