Side-by-side · Q2 2026 data
Mainstreet Community Bank of Florida vs Financial Educators Federal Credit Union
Credit union
Financial Educators Federal Credit Union
Daytona Beach, Florida · Under $100 million in assets
Metric by metric
| Measure | Mainstreet Community Bank of Florida | Financial Educators Federal Credit Union |
|---|---|---|
| TellerScore | 56 | 90 (stronger) |
| Capital cushion | 44 | 100 (stronger) |
| Loan quality | 58 | 100 (stronger) |
| Earnings | 63 (stronger) | 49 |
| Funding & liquidity | 53 | 99 (stronger) |
| Problem-loan coverage | 74 | 100 (stronger) |
| Peer percentile | 13th | 89th |
| Total assets | $953.4M | $23.5M |
| Deposits / shares | $863.2M | $19.7M |
| Capital ratio | 9.45% | 15.68% (stronger) |
| Problem loans | 1.27% | 0.00% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.77% |
| Return on assets | 1.06% (stronger) | 0.73% |
| Loans ÷ deposits | 83.8% | 60.9% (stronger) |
| Uninsured deposits | 35.6% | 9.1% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.6% | — |
Financial Educators Federal Credit Union has the higher TellerScore (90 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Mainstreet Community Bank of Florida leads on 2 and Financial Educators Federal Credit Union on 5. 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.