Side-by-side · Q2 2026 data
Formation Federal Credit Union vs Baton Rouge City Parish Emp Federal Credit Union
Credit union
Formation Federal Credit Union
Baton Rouge, Louisiana · Under $100 million in assets
Credit union
Baton Rouge City Parish Emp Federal Credit Union
Baton Rouge, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Formation Federal Credit Union | Baton Rouge City Parish Emp Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 96 (stronger) |
| Capital cushion | 91 | 100 (stronger) |
| Loan quality | 71 | 89 (stronger) |
| Earnings | 43 | 93 (stronger) |
| Funding & liquidity | 88 | 100 (stronger) |
| Problem-loan coverage | 87 | 99 (stronger) |
| Peer percentile | 54th | 97th |
| Total assets | $93.0M | $58.2M |
| Deposits / shares | $79.6M | $45.2M |
| Capital ratio | 14.10% | 21.98% (stronger) |
| Problem loans | 0.88% | 0.33% (stronger) |
| Net charge-offs | 0.89% | 0.09% (stronger) |
| Return on assets | 0.58% | 1.83% (stronger) |
| Loans ÷ deposits | 72.2% | 43.1% (stronger) |
| Uninsured deposits | 5.8% | 0.8% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Baton Rouge City Parish Emp Federal Credit Union has the higher TellerScore (96 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Formation Federal Credit Union leads on 0 and Baton Rouge City Parish Emp Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.