Side-by-side · Q2 2026 data
Sm Federal Credit Union vs K.U.M.C. Credit Union
Metric by metric
| Measure | Sm Federal Credit Union | K.U.M.C. Credit Union |
|---|---|---|
| TellerScore | 89 | 95 (stronger) |
| Capital cushion | 100 (stronger) | 88 |
| Loan quality | 92 | 99 (stronger) |
| Earnings | 70 | 93 (stronger) |
| Funding & liquidity | 81 | 100 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 87th | 96th |
| Total assets | $77.2M | $31.4M |
| Deposits / shares | $61.4M | $26.9M |
| Capital ratio | 19.98% (stronger) | 13.81% |
| Problem loans | 0.24% | 0.04% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.17% |
| Return on assets | 1.24% | 1.84% (stronger) |
| Loans ÷ deposits | 78.9% | 36.6% (stronger) |
| Uninsured deposits | 3.3% (stronger) | 11.8% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
K.U.M.C. Credit Union has the higher TellerScore (95 vs 89). On the 7 directional measures above (where higher or lower is clearly better), Sm Federal Credit Union leads on 3 and K.U.M.C. Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.