Side-by-side · Q2 2026 data
OptimumBank vs Educational Federal Credit Union
Metric by metric
| Measure | OptimumBank | Educational Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 84 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 94 (stronger) | 80 |
| Earnings | 98 (stronger) | 59 |
| Funding & liquidity | 47 | 87 (stronger) |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 80th | 93rd |
| Total assets | $1.4B | $1.8B |
| Deposits / shares | $1.2B | $1.6B |
| Capital ratio | 10.54% | 15.45% (stronger) |
| Problem loans | 0.18% (stronger) | 0.61% |
| Net charge-offs | 0.00% (stronger) | 0.49% |
| Return on assets | 1.95% (stronger) | 0.99% |
| Loans ÷ deposits | 97.9% | 73.0% (stronger) |
| Uninsured deposits | 28.7% | 9.5% (stronger) |
| Offices | 3 | 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 76). On the 7 directional measures above (where higher or lower is clearly better), OptimumBank leads on 3 and Educational Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.