Side-by-side · Q2 2026 data
Putnam School Employees Federal Credit Union vs Element Federal Credit Union
Credit union
Putnam School Employees Federal Credit Union
Eleanor, West Virginia · Under $100 million in assets
Credit union
Element Federal Credit Union
Charleston, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Putnam School Employees Federal Credit Union | Element Federal Credit Union |
|---|---|---|
| TellerScore | 99 (stronger) | 76 |
| Capital cushion | 100 | 100 |
| Loan quality | 95 (stronger) | 54 |
| Earnings | 100 (stronger) | 56 |
| Funding & liquidity | 100 (stronger) | 82 |
| Problem-loan coverage | 99 (stronger) | 90 |
| Peer percentile | 99th | 54th |
| Total assets | $14.1M | $47.3M |
| Deposits / shares | $11.1M | $36.6M |
| Capital ratio | 21.00% | 21.80% (stronger) |
| Problem loans | 0.14% (stronger) | 1.38% |
| Net charge-offs | 0.00% (stronger) | 0.42% |
| Return on assets | 3.81% (stronger) | 0.90% |
| Loans ÷ deposits | 60.0% (stronger) | 78.1% |
| Uninsured deposits | 0.0% (stronger) | 4.1% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Putnam School Employees Federal Credit Union has the higher TellerScore (99 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Putnam School Employees Federal Credit Union leads on 6 and Element Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.