Side-by-side · Q2 2026 data
Southern Teachers & Parents Federal Credit Union vs Engage Federal Credit Union
Credit union
Southern Teachers & Parents Federal Credit Union
Baton Rouge, Louisiana · Under $100 million in assets
Credit union
Engage Federal Credit Union
Natchitoches, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Southern Teachers & Parents Federal Credit Union | Engage Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 86 (stronger) |
| Capital cushion | 38 | 100 (stronger) |
| Loan quality | 98 (stronger) | 68 |
| Earnings | 28 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 63 |
| Problem-loan coverage | 99 (stronger) | 93 |
| Peer percentile | 32nd | 80th |
| Total assets | $29.2M | $28.5M |
| Deposits / shares | $26.4M | $22.0M |
| Capital ratio | 8.76% | 21.59% (stronger) |
| Problem loans | 0.06% (stronger) | 0.95% |
| Net charge-offs | 0.75% | 0.25% (stronger) |
| Return on assets | 0.21% | 2.21% (stronger) |
| Loans ÷ deposits | 53.5% (stronger) | 97.4% |
| Uninsured deposits | 1.6% | 0.1% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Engage Federal Credit Union has the higher TellerScore (86 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Southern Teachers & Parents Federal Credit Union leads on 2 and Engage Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.