Side-by-side · Q2 2026 data
Sabine School Employees Federal Credit Union vs P.H.I. Federal Credit Union
Credit union
Sabine School Employees Federal Credit Union
Many, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Sabine School Employees Federal Credit Union | P.H.I. Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 55 |
| Capital cushion | 100 (stronger) | 20 |
| Loan quality | 60 | 100 (stronger) |
| Earnings | 19 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 92 |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 47th | 15th |
| Total assets | $5.2M | $4.9M |
| Deposits / shares | $4.1M | $4.5M |
| Capital ratio | 20.07% (stronger) | 6.97% |
| Problem loans | 1.21% | 0.00% (stronger) |
| Net charge-offs | 1.66% | -0.13% (stronger) |
| Return on assets | -0.03% (stronger) | -0.59% |
| Loans ÷ deposits | 53.9% (stronger) | 68.6% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sabine School Employees Federal Credit Union has the higher TellerScore (73 vs 55). On the 6 directional measures above (where higher or lower is clearly better), Sabine School Employees Federal Credit Union leads on 4 and P.H.I. Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.