Side-by-side · Q2 2026 data
St. Michaels Federal Credit Union vs Olathe 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 | Olathe Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 44 |
| Capital cushion | 75 (stronger) | 1 |
| Loan quality | 80 | 94 (stronger) |
| Earnings | 95 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 70 |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 80th | 4th |
| Total assets | $1.0M | $1.4M |
| Deposits / shares | $894K | $1.3M |
| Capital ratio | 12.48% (stronger) | 5.12% |
| Problem loans | 0.61% | 0.19% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.88% (stronger) | -1.56% |
| Loans ÷ deposits | 45.8% (stronger) | 90.6% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. Michaels Federal Credit Union has the higher TellerScore (86 vs 44). On the 5 directional measures above (where higher or lower is clearly better), St. Michaels Federal Credit Union leads on 4 and Olathe Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.