Side-by-side · Q2 2026 data
Puget Sound Refinery Federal Credit Union vs Express Credit Union
Credit union
Puget Sound Refinery Federal Credit Union
Anacortes, Washington · Under $100 million in assets
Metric by metric
| Measure | Puget Sound Refinery Federal Credit Union | Express Credit Union |
|---|---|---|
| TellerScore | 69 (stronger) | 53 |
| Capital cushion | 100 (stronger) | 80 |
| Loan quality | 24 | 35 (stronger) |
| Earnings | 58 (stronger) | 0 |
| Funding & liquidity | 86 (stronger) | 80 |
| Problem-loan coverage | 84 (stronger) | 79 |
| Peer percentile | 38th | 12th |
| Total assets | $15.6M | $22.6M |
| Deposits / shares | $12.7M | $19.4M |
| Capital ratio | 17.51% (stronger) | 13.00% |
| Problem loans | 2.29% | 1.95% (stronger) |
| Net charge-offs | 0.36% (stronger) | 1.03% |
| Return on assets | 0.96% (stronger) | -3.99% |
| Loans ÷ deposits | 74.6% (stronger) | 80.0% |
| Uninsured deposits | 4.2% (stronger) | 6.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Puget Sound Refinery Federal Credit Union has the higher TellerScore (69 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Puget Sound Refinery Federal Credit Union leads on 6 and Express Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.