Side-by-side · Q2 2026 data
Epic Federal Credit Union vs St. Bernard Parish School Board Emp Federal Credit Union
Credit union
St. Bernard Parish School Board Emp Federal Credit Union
Chalmette, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Epic Federal Credit Union | St. Bernard Parish School Board Emp Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 93 (stronger) |
| Capital cushion | 96 | 100 (stronger) |
| Loan quality | 30 | 87 (stronger) |
| Earnings | 33 | 99 (stronger) |
| Funding & liquidity | 64 | 79 (stronger) |
| Problem-loan coverage | 72 | 99 (stronger) |
| Peer percentile | 21st | 94th |
| Total assets | $164.5M | $15.9M |
| Deposits / shares | $138.1M | $9.9M |
| Capital ratio | 14.60% | 37.65% (stronger) |
| Problem loans | 2.10% | 0.38% (stronger) |
| Net charge-offs | 0.83% | 0.23% (stronger) |
| Return on assets | 0.33% | 1.97% (stronger) |
| Loans ÷ deposits | 95.8% | 81.2% (stronger) |
| Uninsured deposits | 2.6% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. Bernard Parish School Board Emp Federal Credit Union has the higher TellerScore (93 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Epic Federal Credit Union leads on 0 and St. Bernard Parish School Board Emp Federal Credit Union on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.