Side-by-side · Q2 2026 data
St. Michaels Federal Credit Union vs Co-Ne Federal Credit Union
Credit union
St. Michaels Federal Credit Union
Craig, Colorado · Under $100 million in assets
Metric by metric
| Measure | St. Michaels Federal Credit Union | Co-Ne Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 63 |
| Capital cushion | 75 (stronger) | 37 |
| Loan quality | 80 | 100 (stronger) |
| Earnings | 95 (stronger) | 15 |
| Funding & liquidity | 100 (stronger) | 94 |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 80th | 26th |
| Total assets | $1.0M | $4.2M |
| Deposits / shares | $894K | $3.9M |
| Capital ratio | 12.48% (stronger) | 8.73% |
| Problem loans | 0.61% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.88% (stronger) | -0.13% |
| Loans ÷ deposits | 45.8% (stronger) | 65.9% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. Michaels Federal Credit Union has the higher TellerScore (86 vs 63). On the 5 directional measures above (where higher or lower is clearly better), St. Michaels Federal Credit Union leads on 4 and Co-Ne Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.