Side-by-side · Q2 2026 data
P.H.I. Federal Credit Union vs Old Spanish Trail Credit Union
Metric by metric
| Measure | P.H.I. Federal Credit Union | Old Spanish Trail Credit Union |
|---|---|---|
| TellerScore | 55 | 77 (stronger) |
| Capital cushion | 20 | 100 (stronger) |
| Loan quality | 100 (stronger) | 90 |
| Earnings | 0 | 27 (stronger) |
| Funding & liquidity | 92 (stronger) | 63 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 15th | 57th |
| Total assets | $4.9M | $5.5M |
| Deposits / shares | $4.5M | $3.8M |
| Capital ratio | 6.97% | 30.51% (stronger) |
| Problem loans | 0.00% (stronger) | 0.31% |
| Net charge-offs | -0.13% (stronger) | 0.48% |
| Return on assets | -0.59% | 0.16% (stronger) |
| Loans ÷ deposits | 68.6% (stronger) | 97.5% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Old Spanish Trail Credit Union has the higher TellerScore (77 vs 55). On the 6 directional measures above (where higher or lower is clearly better), P.H.I. Federal Credit Union leads on 3 and Old Spanish Trail Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.