Side-by-side · Q2 2026 data
Sandia Area Federal Credit Union vs Los Alamos Schools Credit Union
Credit union
Sandia Area Federal Credit Union
Albuquerque, New Mexico · $1 billion – $10 billion
Credit union
Los Alamos Schools Credit Union
Los Alamos, New Mexico · Under $100 million in assets
Metric by metric
| Measure | Sandia Area Federal Credit Union | Los Alamos Schools Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 71 |
| Capital cushion | 64 | 67 (stronger) |
| Loan quality | 95 (stronger) | 75 |
| Earnings | 68 (stronger) | 48 |
| Funding & liquidity | 60 | 90 (stronger) |
| Problem-loan coverage | 97 (stronger) | 92 |
| Peer percentile | 75th | 42nd |
| Total assets | $1.4B | $32.4M |
| Deposits / shares | $1.3B | $28.5M |
| Capital ratio | 11.44% | 11.68% (stronger) |
| Problem loans | 0.15% (stronger) | 0.74% |
| Net charge-offs | 0.25% | -0.12% (stronger) |
| Return on assets | 1.21% (stronger) | 0.69% |
| Loans ÷ deposits | 99.8% | 70.2% (stronger) |
| Uninsured deposits | 13.6% | 1.0% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sandia Area Federal Credit Union has the higher TellerScore (75 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Sandia Area Federal Credit Union leads on 3 and Los Alamos Schools Credit Union on 4. 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.