Side-by-side · Q2 2026 data
Generations Community Federal Credit Union vs Smart Financial Credit Union
Credit union
Generations Community Federal Credit Union
San Antonio, Texas · $100 million – $1 billion
Metric by metric
| Measure | Generations Community Federal Credit Union | Smart Financial Credit Union |
|---|---|---|
| TellerScore | 57 | 69 (stronger) |
| Capital cushion | 43 | 68 (stronger) |
| Loan quality | 71 (stronger) | 61 |
| Earnings | 35 | 68 (stronger) |
| Funding & liquidity | 75 | 77 (stronger) |
| Problem-loan coverage | 85 (stronger) | 82 |
| Peer percentile | 14th | 48th |
| Total assets | $734.6M | $807.5M |
| Deposits / shares | $617.1M | $700.6M |
| Capital ratio | 9.30% | 11.84% (stronger) |
| Problem loans | 0.88% (stronger) | 1.16% |
| Net charge-offs | 0.41% (stronger) | 0.54% |
| Return on assets | 0.38% | 1.20% (stronger) |
| Loans ÷ deposits | 85.6% | 83.7% (stronger) |
| Uninsured deposits | 7.7% | 2.8% (stronger) |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 33.1% | 41.1% |
Smart Financial Credit Union has the higher TellerScore (69 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Generations Community Federal Credit Union leads on 2 and Smart Financial Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.