Side-by-side · Q2 2026 data
Santa Maria Associated Employees Federal Credit Union vs Slo Credit Union
Credit union
Santa Maria Associated Employees Federal Credit Union
Santa Maria, California · Under $100 million in assets
Metric by metric
| Measure | Santa Maria Associated Employees Federal Credit Union | Slo Credit Union |
|---|---|---|
| TellerScore | 67 | 77 (stronger) |
| Capital cushion | 46 | 95 (stronger) |
| Loan quality | 93 | 93 |
| Earnings | 33 (stronger) | 0 |
| Funding & liquidity | 88 | 100 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 34th | 57th |
| Total assets | $4.8M | $29.1M |
| Deposits / shares | $4.3M | $25.3M |
| Capital ratio | 9.62% | 14.47% (stronger) |
| Problem loans | 0.21% | 0.20% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.34% |
| Return on assets | 0.31% (stronger) | -0.51% |
| Loans ÷ deposits | 72.3% | 54.5% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 7.1% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Slo Credit Union has the higher TellerScore (77 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Santa Maria Associated Employees Federal Credit Union leads on 3 and Slo 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.