Side-by-side · Q2 2026 data
Sage Federal Credit Union vs Inroads Federal Credit Union
Credit union
Inroads Federal Credit Union
Saint Helens, Oregon · $100 million – $1 billion
Metric by metric
| Measure | Sage Federal Credit Union | Inroads Federal Credit Union |
|---|---|---|
| TellerScore | 62 (stronger) | 45 |
| Capital cushion | 51 (stronger) | 31 |
| Loan quality | 71 (stronger) | 62 |
| Earnings | 38 (stronger) | 3 |
| Funding & liquidity | 81 (stronger) | 79 |
| Problem-loan coverage | 87 (stronger) | 79 |
| Peer percentile | 26th | 3rd |
| Total assets | $385.1M | $340.0M |
| Deposits / shares | $343.2M | $313.2M |
| Capital ratio | 10.10% (stronger) | 8.12% |
| Problem loans | 0.86% (stronger) | 1.15% |
| Net charge-offs | 0.50% (stronger) | 0.76% |
| Return on assets | 0.44% (stronger) | -0.44% |
| Loans ÷ deposits | 79.3% (stronger) | 81.2% |
| Uninsured deposits | 8.1% (stronger) | 8.1% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 15.5% |
Sage Federal Credit Union has the higher TellerScore (62 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Sage Federal Credit Union leads on 7 and Inroads Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.