Side-by-side · Q2 2026 data
Santa Fe Federal Credit Union vs Sandia Area Federal Credit Union
Credit union
Sandia Area Federal Credit Union
Albuquerque, New Mexico · $1 billion – $10 billion
Metric by metric
| Measure | Santa Fe Federal Credit Union | Sandia Area Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 75 (stronger) |
| Capital cushion | 79 (stronger) | 64 |
| Loan quality | 84 | 95 (stronger) |
| Earnings | 28 | 68 (stronger) |
| Funding & liquidity | 87 (stronger) | 60 |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 60th | 75th |
| Total assets | $214.8M | $1.4B |
| Deposits / shares | $184.2M | $1.3B |
| Capital ratio | 12.90% (stronger) | 11.44% |
| Problem loans | 0.48% | 0.15% (stronger) |
| Net charge-offs | 1.05% | 0.25% (stronger) |
| Return on assets | 0.20% | 1.21% (stronger) |
| Loans ÷ deposits | 73.1% (stronger) | 99.8% |
| Uninsured deposits | 8.6% (stronger) | 13.6% |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sandia Area Federal Credit Union has the higher TellerScore (75 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Santa Fe Federal Credit Union leads on 3 and Sandia Area Federal 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.