Side-by-side · Q2 2026 data
Federated Employees Credit Union vs Smw Financial Credit Union
Credit union
Federated Employees Credit Union
Owatonna, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Federated Employees Credit Union | Smw Financial Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 75 |
| Capital cushion | 82 (stronger) | 65 |
| Loan quality | 94 | 100 (stronger) |
| Earnings | 51 (stronger) | 38 |
| Funding & liquidity | 95 (stronger) | 85 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 70th | 52nd |
| Total assets | $66.7M | $87.5M |
| Deposits / shares | $57.9M | $77.6M |
| Capital ratio | 13.17% (stronger) | 11.51% |
| Problem loans | 0.19% | 0.01% (stronger) |
| Net charge-offs | 0.38% | 0.22% (stronger) |
| Return on assets | 0.78% (stronger) | 0.44% |
| Loans ÷ deposits | 65.3% (stronger) | 74.9% |
| Uninsured deposits | 1.5% (stronger) | 5.1% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Federated Employees Credit Union has the higher TellerScore (82 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Federated Employees Credit Union leads on 5 and Smw Financial Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.