Side-by-side · Q2 2026 data
Main Bank vs Sandia Area Federal Credit Union
Credit union
Sandia Area Federal Credit Union
Albuquerque, New Mexico · $1 billion – $10 billion
Metric by metric
| Measure | Main Bank | Sandia Area Federal Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 75 |
| Capital cushion | 65 (stronger) | 64 |
| Loan quality | 100 (stronger) | 95 |
| Earnings | 100 (stronger) | 68 |
| Funding & liquidity | 49 | 60 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 82nd | 75th |
| Total assets | $245.2M | $1.4B |
| Deposits / shares | $211.4M | $1.3B |
| Capital ratio | 11.55% (stronger) | 11.44% |
| Problem loans | 0.00% (stronger) | 0.15% |
| Net charge-offs | -0.00% (stronger) | 0.25% |
| Return on assets | 2.10% (stronger) | 1.21% |
| Loans ÷ deposits | 90.8% (stronger) | 99.8% |
| Uninsured deposits | 33.4% | 13.6% (stronger) |
| Offices | 1 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Main Bank has the higher TellerScore (82 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Main Bank leads on 6 and Sandia Area Federal Credit Union on 1. 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.