Side-by-side · Q2 2026 data
Sandia Area Federal Credit Union vs State Employees Credit Union
Credit union
Sandia Area Federal Credit Union
Albuquerque, New Mexico · $1 billion – $10 billion
Credit union
State Employees Credit Union
Santa Fe, New Mexico · $1 billion – $10 billion
Metric by metric
| Measure | Sandia Area Federal Credit Union | State Employees Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 46 |
| Capital cushion | 64 | 64 |
| Loan quality | 95 (stronger) | 0 |
| Earnings | 68 (stronger) | 57 |
| Funding & liquidity | 60 | 77 (stronger) |
| Problem-loan coverage | 97 (stronger) | 41 |
| Peer percentile | 75th | 4th |
| Total assets | $1.4B | $1.3B |
| Deposits / shares | $1.3B | $1.1B |
| Capital ratio | 11.44% (stronger) | 11.38% |
| Problem loans | 0.15% (stronger) | 4.46% |
| Net charge-offs | 0.25% (stronger) | 1.05% |
| Return on assets | 1.21% (stronger) | 0.91% |
| Loans ÷ deposits | 99.8% | 83.4% (stronger) |
| Uninsured deposits | 13.6% | 4.7% (stronger) |
| Offices | 7 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sandia Area Federal Credit Union has the higher TellerScore (75 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Sandia Area Federal Credit Union leads on 5 and State Employees Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.