Side-by-side · Q2 2026 data
Mutual Savings Association vs Sm Federal Credit Union
Metric by metric
| Measure | Mutual Savings Association | Sm Federal Credit Union |
|---|---|---|
| TellerScore | 80 | 89 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 63 | 92 (stronger) |
| Earnings | 84 (stronger) | 70 |
| Funding & liquidity | 53 | 81 (stronger) |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 77th | 87th |
| Total assets | $398.6M | $77.2M |
| Deposits / shares | $255.7M | $61.4M |
| Capital ratio | 23.84% (stronger) | 19.98% |
| Problem loans | 1.11% | 0.24% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 1.60% (stronger) | 1.24% |
| Loans ÷ deposits | 107.2% | 78.9% (stronger) |
| Uninsured deposits | 11.6% | 3.3% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sm Federal Credit Union has the higher TellerScore (89 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Mutual Savings Association leads on 3 and Sm Federal Credit Union on 4. 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.