Side-by-side · Q2 2026 data
Sierra Central Credit Union vs Adelfi Credit Union
Metric by metric
| Measure | Sierra Central Credit Union | Adelfi Credit Union |
|---|---|---|
| TellerScore | 67 | 74 (stronger) |
| Capital cushion | 50 | 78 (stronger) |
| Loan quality | 82 (stronger) | 71 |
| Earnings | 48 | 61 (stronger) |
| Funding & liquidity | 86 (stronger) | 76 |
| Problem-loan coverage | 93 (stronger) | 90 |
| Peer percentile | 47th | 72nd |
| Total assets | $1.5B | $1.4B |
| Deposits / shares | $1.3B | $1.2B |
| Capital ratio | 10.00% | 12.85% (stronger) |
| Problem loans | 0.55% (stronger) | 0.87% |
| Net charge-offs | 1.00% | 0.52% (stronger) |
| Return on assets | 0.71% | 1.03% (stronger) |
| Loans ÷ deposits | 74.5% (stronger) | 84.6% |
| Uninsured deposits | 8.1% | 0.0% (stronger) |
| Offices | 15 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.9% | — |
Adelfi Credit Union has the higher TellerScore (74 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Sierra Central Credit Union leads on 2 and Adelfi Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.