Side-by-side · Q2 2026 data
S.T.E.C. Federal Credit Union vs Cal-Com Federal Credit Union
Metric by metric
| Measure | S.T.E.C. Federal Credit Union | Cal-Com Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 83 (stronger) |
| Capital cushion | 100 (stronger) | 75 |
| Loan quality | 85 | 97 (stronger) |
| Earnings | 39 | 56 (stronger) |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 62nd | 83rd |
| Total assets | $5.5M | $225.8M |
| Deposits / shares | $3.8M | $198.4M |
| Capital ratio | 30.91% (stronger) | 12.47% |
| Problem loans | 0.44% | 0.09% (stronger) |
| Net charge-offs | 0.09% (stronger) | 0.48% |
| Return on assets | 0.48% | 0.91% (stronger) |
| Loans ÷ deposits | 93.6% | 59.5% (stronger) |
| Uninsured deposits | 6.2% | 6.0% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cal-Com Federal Credit Union has the higher TellerScore (83 vs 79). On the 7 directional measures above (where higher or lower is clearly better), S.T.E.C. Federal Credit Union leads on 2 and Cal-Com Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.