Side-by-side · Q2 2026 data
Evermore Bank vs Educational Federal Credit Union
Metric by metric
| Measure | Evermore Bank | Educational Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 84 (stronger) |
| Capital cushion | 85 | 100 (stronger) |
| Loan quality | 100 (stronger) | 80 |
| Earnings | 48 | 59 (stronger) |
| Funding & liquidity | 28 | 87 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 57th | 93rd |
| Total assets | $316.9M | $1.8B |
| Deposits / shares | $269.1M | $1.6B |
| Capital ratio | 13.52% | 15.45% (stronger) |
| Problem loans | 0.00% (stronger) | 0.61% |
| Net charge-offs | 0.00% (stronger) | 0.49% |
| Return on assets | 0.70% | 0.99% (stronger) |
| Loans ÷ deposits | 98.5% | 73.0% (stronger) |
| Uninsured deposits | 45.8% | 9.5% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 41.6% |
Educational Federal Credit Union has the higher TellerScore (84 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Evermore Bank leads on 2 and Educational Federal Credit Union on 5. 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.