Side-by-side · Q2 2026 data
S R I Employees Federal Credit Union vs Chem Family Credit Union
Credit union
S R I Employees Federal Credit Union
Birmingham, Alabama · Under $100 million in assets
Metric by metric
| Measure | S R I Employees Federal Credit Union | Chem Family Credit Union |
|---|---|---|
| TellerScore | 85 | 88 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 100 | 100 |
| Earnings | 25 | 39 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 77th | 85th |
| Total assets | $3.7M | $4.1M |
| Deposits / shares | $2.3M | $2.9M |
| Capital ratio | 38.07% (stronger) | 28.15% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.91% | 0.00% (stronger) |
| Return on assets | 0.12% | 0.47% (stronger) |
| Loans ÷ deposits | 33.0% (stronger) | 41.7% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Chem Family Credit Union has the higher TellerScore (88 vs 85). On the 5 directional measures above (where higher or lower is clearly better), S R I Employees Federal Credit Union leads on 2 and Chem Family Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.