Side-by-side · Q2 2026 data
Poly Scientific Employees Federal Credit Union vs Kraftsman Federal Credit Union
Credit union
Poly Scientific Employees Federal Credit Union
Blacksburg, Virginia · Under $100 million in assets
Metric by metric
| Measure | Poly Scientific Employees Federal Credit Union | Kraftsman Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 65 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 0 |
| Earnings | 38 | 52 (stronger) |
| Funding & liquidity | 98 | 100 (stronger) |
| Problem-loan coverage | 81 | 93 (stronger) |
| Peer percentile | 22nd | 30th |
| Total assets | $5.5M | $4.8M |
| Deposits / shares | $4.0M | $3.4M |
| Capital ratio | 26.26% | 29.17% (stronger) |
| Problem loans | 5.56% | 4.57% (stronger) |
| Net charge-offs | 0.49% | -0.70% (stronger) |
| Return on assets | 0.44% | 0.81% (stronger) |
| Loans ÷ deposits | 62.5% | 34.0% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 1.2% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Kraftsman Federal Credit Union has the higher TellerScore (65 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Poly Scientific Employees Federal Credit Union leads on 1 and Kraftsman Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.