Side-by-side · Q2 2026 data
Saint Francis Employees Federal Credit Union vs Encentus Federal Credit Union
Credit union
Saint Francis Employees Federal Credit Union
Tulsa, Oklahoma · Under $100 million in assets
Metric by metric
| Measure | Saint Francis Employees Federal Credit Union | Encentus Federal Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 80 |
| Capital cushion | 100 | 100 |
| Loan quality | 93 (stronger) | 80 |
| Earnings | 70 (stronger) | 27 |
| Funding & liquidity | 99 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 92nd | 65th |
| Total assets | $44.7M | $21.4M |
| Deposits / shares | $37.2M | $17.8M |
| Capital ratio | 15.92% | 17.05% (stronger) |
| Problem loans | 0.20% (stronger) | 0.60% |
| Net charge-offs | 0.46% (stronger) | 1.82% |
| Return on assets | 1.24% (stronger) | 0.18% |
| Loans ÷ deposits | 41.0% | 39.7% (stronger) |
| Uninsured deposits | 15.9% | 1.1% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Saint Francis Employees Federal Credit Union has the higher TellerScore (92 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Saint Francis Employees Federal Credit Union leads on 4 and Encentus Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.