Side-by-side · Q2 2026 data
St. Mary Parish School Emp. Federal Credit Union vs Cogic Credit Union
Credit union
St. Mary Parish School Emp. Federal Credit Union
Franklin, Louisiana · Under $100 million in assets
Metric by metric
| Measure | St. Mary Parish School Emp. Federal Credit Union | Cogic Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 32 |
| Capital cushion | 100 (stronger) | 0 |
| Loan quality | 84 (stronger) | 40 |
| Earnings | 47 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 98 |
| Problem-loan coverage | 99 (stronger) | 69 |
| Peer percentile | 77th | 1st |
| Total assets | $455K | $341K |
| Deposits / shares | $349K | $326K |
| Capital ratio | 22.66% (stronger) | 4.38% |
| Problem loans | 0.49% (stronger) | 1.79% |
| Net charge-offs | 3.83% | 0.00% (stronger) |
| Return on assets | 0.67% (stronger) | -5.69% |
| Loans ÷ deposits | 17.9% (stronger) | 62.5% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. Mary Parish School Emp. Federal Credit Union has the higher TellerScore (85 vs 32). On the 6 directional measures above (where higher or lower is clearly better), St. Mary Parish School Emp. Federal Credit Union leads on 5 and Cogic Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.