Side-by-side · Q2 2026 data
Locality Bank vs Educational Federal Credit Union
Metric by metric
| Measure | Locality Bank | Educational Federal Credit Union |
|---|---|---|
| TellerScore | 55 | 84 (stronger) |
| Capital cushion | 79 | 100 (stronger) |
| Loan quality | 48 | 80 (stronger) |
| Earnings | 32 | 59 (stronger) |
| Funding & liquidity | 31 | 87 (stronger) |
| Problem-loan coverage | 82 | 95 (stronger) |
| Peer percentile | 11th | 93rd |
| Total assets | $396.2M | $1.8B |
| Deposits / shares | $346.0M | $1.6B |
| Capital ratio | 12.91% | 15.45% (stronger) |
| Problem loans | 1.55% | 0.61% (stronger) |
| Net charge-offs | 0.13% (stronger) | 0.49% |
| Return on assets | 0.29% | 0.99% (stronger) |
| Loans ÷ deposits | 89.1% | 73.0% (stronger) |
| Uninsured deposits | 51.3% | 9.5% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 41.6% |
Educational Federal Credit Union has the higher TellerScore (84 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Locality Bank leads on 1 and Educational Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.