Side-by-side · Q2 2026 data
S and J School Employees Federal Credit Union vs U.P.S. Credit Union
Credit union
S and J School Employees Federal Credit Union
Wintersville, Ohio · Under $100 million in assets
Metric by metric
| Measure | S and J School Employees Federal Credit Union | U.P.S. Credit Union |
|---|---|---|
| TellerScore | 45 | 49 (stronger) |
| Capital cushion | 59 | 82 (stronger) |
| Loan quality | 0 | 8 (stronger) |
| Earnings | 38 (stronger) | 19 |
| Funding & liquidity | 90 (stronger) | 79 |
| Problem-loan coverage | 65 | 72 (stronger) |
| Peer percentile | 5th | 8th |
| Total assets | $3.1M | $3.1M |
| Deposits / shares | $2.7M | $2.7M |
| Capital ratio | 10.92% | 13.21% (stronger) |
| Problem loans | 3.16% | 2.77% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.46% (stronger) | -0.02% |
| Loans ÷ deposits | 70.3% (stronger) | 81.3% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
U.P.S. Credit Union has the higher TellerScore (49 vs 45). On the 5 directional measures above (where higher or lower is clearly better), S and J School Employees Federal Credit Union leads on 2 and U.P.S. Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.