Side-by-side · Q2 2026 data
Fourth Ward Federal Credit Union vs S H P E Federal Credit Union
Metric by metric
| Measure | Fourth Ward Federal Credit Union | S H P E Federal Credit Union |
|---|---|---|
| TellerScore | 69 (stronger) | 33 |
| Capital cushion | 100 (stronger) | 25 |
| Loan quality | 0 | 0 |
| Earnings | 100 (stronger) | 58 |
| Funding & liquidity | 97 (stronger) | 92 |
| Problem-loan coverage | 40 (stronger) | 0 |
| Peer percentile | 38th | 2nd |
| Total assets | $930K | $4.1M |
| Deposits / shares | $789K | $3.8M |
| Capital ratio | 15.15% (stronger) | 7.49% |
| Problem loans | 10.14% (stronger) | 11.30% |
| Net charge-offs | 0.00% (stronger) | 1.68% |
| Return on assets | 3.71% (stronger) | 0.96% |
| Loans ÷ deposits | 63.0% (stronger) | 68.0% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Fourth Ward Federal Credit Union has the higher TellerScore (69 vs 33). On the 6 directional measures above (where higher or lower is clearly better), Fourth Ward Federal Credit Union leads on 6 and S H P E Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.