Side-by-side · Q2 2026 data
Escondido Federal Credit Union vs Delta Schools Federal Credit Union
Credit union
Escondido Federal Credit Union
Escondido, California · Under $100 million in assets
Credit union
Delta Schools Federal Credit Union
Antioch, California · Under $100 million in assets
Metric by metric
| Measure | Escondido Federal Credit Union | Delta Schools Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 81 |
| Capital cushion | 87 (stronger) | 57 |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 67 | 67 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 87th | 68th |
| Total assets | $66.8M | $66.5M |
| Deposits / shares | $57.4M | $59.0M |
| Capital ratio | 13.67% (stronger) | 10.74% |
| Problem loans | 0.06% | 0.00% (stronger) |
| Net charge-offs | 0.19% | 0.05% (stronger) |
| Return on assets | 1.17% | 1.18% (stronger) |
| Loans ÷ deposits | 39.3% (stronger) | 49.9% |
| Uninsured deposits | 8.0% | 0.9% (stronger) |
| Offices | 0 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Escondido Federal Credit Union has the higher TellerScore (89 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Escondido Federal Credit Union leads on 3 and Delta Schools Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.