Side-by-side · Q2 2026 data
Families and Schools Together Federal Credit Union vs Downey Federal Credit Union
Credit union
Families and Schools Together Federal Credit Union
Hanford, California · $100 million – $1 billion
Metric by metric
| Measure | Families and Schools Together Federal Credit Union | Downey Federal Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 59 |
| Capital cushion | 100 (stronger) | 38 |
| Loan quality | 88 (stronger) | 83 |
| Earnings | 100 (stronger) | 33 |
| Funding & liquidity | 67 | 95 (stronger) |
| Problem-loan coverage | 97 (stronger) | 64 |
| Peer percentile | 97th | 19th |
| Total assets | $329.6M | $327.9M |
| Deposits / shares | $260.3M | $267.9M |
| Capital ratio | 20.04% (stronger) | 8.80% |
| Problem loans | 0.37% (stronger) | 0.52% |
| Net charge-offs | 0.30% | 0.28% (stronger) |
| Return on assets | 2.52% (stronger) | 0.32% |
| Loans ÷ deposits | 93.2% | 64.9% (stronger) |
| Uninsured deposits | 12.6% | 6.4% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 41.3% | 30.9% |
Families and Schools Together Federal Credit Union has the higher TellerScore (92 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Families and Schools Together Federal Credit Union leads on 4 and Downey Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.