Side-by-side · Q2 2026 data
Southwest Financial Federal Credit Union vs The State Credit Union
Credit union
Southwest Financial Federal Credit Union
Farmers Branch, Texas · Under $100 million in assets
Credit union
The State Credit Union
Charleston, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Southwest Financial Federal Credit Union | The State Credit Union |
|---|---|---|
| TellerScore | 72 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 68 | 92 (stronger) |
| Earnings | 39 | 71 (stronger) |
| Funding & liquidity | 57 | 89 (stronger) |
| Problem-loan coverage | 89 | 98 (stronger) |
| Peer percentile | 44th | 89th |
| Total assets | $85.3M | $95.3M |
| Deposits / shares | $71.3M | $75.7M |
| Capital ratio | 15.20% | 19.12% (stronger) |
| Problem loans | 0.95% | 0.25% (stronger) |
| Net charge-offs | 2.30% | -0.00% (stronger) |
| Return on assets | 0.48% | 1.26% (stronger) |
| Loans ÷ deposits | 103.1% | 71.2% (stronger) |
| Uninsured deposits | 0.3% (stronger) | 1.9% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | 0.0% |
The State Credit Union has the higher TellerScore (90 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Southwest Financial Federal Credit Union leads on 1 and The State Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.