Side-by-side · Q2 2026 data
St. Tammany Federal Credit Union vs 705 Federal Credit Union
Credit union
705 Federal Credit Union
Lafayette, Louisiana · Under $100 million in assets
Metric by metric
| Measure | St. Tammany Federal Credit Union | 705 Federal Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 41 |
| Capital cushion | 91 (stronger) | 29 |
| Loan quality | 66 (stronger) | 32 |
| Earnings | 24 | 29 (stronger) |
| Funding & liquidity | 88 (stronger) | 83 |
| Problem-loan coverage | 91 (stronger) | 61 |
| Peer percentile | 42nd | 3rd |
| Total assets | $47.2M | $43.0M |
| Deposits / shares | $40.4M | $39.1M |
| Capital ratio | 14.07% (stronger) | 7.91% |
| Problem loans | 1.02% (stronger) | 2.03% |
| Net charge-offs | 2.23% | 0.54% (stronger) |
| Return on assets | 0.10% | 0.23% (stronger) |
| Loans ÷ deposits | 72.5% (stronger) | 77.2% |
| Uninsured deposits | 0.4% (stronger) | 10.5% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. Tammany Federal Credit Union has the higher TellerScore (71 vs 41). On the 7 directional measures above (where higher or lower is clearly better), St. Tammany Federal Credit Union leads on 5 and 705 Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.