Side-by-side · Q2 2026 data
Financial Educators Federal Credit Union vs Fairwinds Credit Union
Credit union
Financial Educators Federal Credit Union
Daytona Beach, Florida · Under $100 million in assets
Metric by metric
| Measure | Financial Educators Federal Credit Union | Fairwinds Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 73 |
| Capital cushion | 100 (stronger) | 62 |
| Loan quality | 100 (stronger) | 85 |
| Earnings | 49 | 51 (stronger) |
| Funding & liquidity | 99 (stronger) | 89 |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 89th | 70th |
| Total assets | $23.5M | $5.3B |
| Deposits / shares | $19.7M | $4.8B |
| Capital ratio | 15.68% (stronger) | 11.17% |
| Problem loans | 0.00% (stronger) | 0.46% |
| Net charge-offs | 0.77% | 0.18% (stronger) |
| Return on assets | 0.73% | 0.77% (stronger) |
| Loans ÷ deposits | 60.9% (stronger) | 71.6% |
| Uninsured deposits | 9.1% | 9.0% (stronger) |
| Offices | 1 | 28 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 38.6% |
Financial Educators Federal Credit Union has the higher TellerScore (90 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Financial Educators Federal Credit Union leads on 4 and Fairwinds Credit Union on 3. 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.