Side-by-side · Q2 2026 data
Signal Financial Federal Credit Union vs U S Postal Service Federal Credit Union
Credit union
Signal Financial Federal Credit Union
Kensington, Maryland · $100 million – $1 billion
Credit union
U S Postal Service Federal Credit Union
Clinton, Maryland · $100 million – $1 billion
Metric by metric
| Measure | Signal Financial Federal Credit Union | U S Postal Service Federal Credit Union |
|---|---|---|
| TellerScore | 56 | 62 (stronger) |
| Capital cushion | 43 | 57 (stronger) |
| Loan quality | 82 (stronger) | 76 |
| Earnings | 14 | 22 (stronger) |
| Funding & liquidity | 70 | 83 (stronger) |
| Problem-loan coverage | 91 | 91 |
| Peer percentile | 13th | 26th |
| Total assets | $363.9M | $280.3M |
| Deposits / shares | $325.0M | $249.7M |
| Capital ratio | 9.34% | 10.71% (stronger) |
| Problem loans | 0.53% (stronger) | 0.72% |
| Net charge-offs | 0.30% | 0.26% (stronger) |
| Return on assets | -0.14% | 0.05% (stronger) |
| Loans ÷ deposits | 89.8% | 77.0% (stronger) |
| Uninsured deposits | 9.0% (stronger) | 9.2% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
U S Postal Service Federal Credit Union has the higher TellerScore (62 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Signal Financial Federal Credit Union leads on 2 and U S Postal Service Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.