Side-by-side · Q2 2026 data
Stanwood Area Federal Credit Union vs Cal-Ed Federal Credit Union
Credit union
Stanwood Area Federal Credit Union
New Stanton, Pennsylvania · Under $100 million in assets
Credit union
Cal-Ed Federal Credit Union
California, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Stanwood Area Federal Credit Union | Cal-Ed Federal Credit Union |
|---|---|---|
| TellerScore | 62 (stronger) | 55 |
| Capital cushion | 54 | 91 (stronger) |
| Loan quality | 64 (stronger) | 0 |
| Earnings | 32 (stronger) | 19 |
| Funding & liquidity | 96 | 100 (stronger) |
| Problem-loan coverage | 88 | 88 |
| Peer percentile | 24th | 15th |
| Total assets | $18.6M | $19.2M |
| Deposits / shares | $16.6M | $16.4M |
| Capital ratio | 10.45% | 14.11% (stronger) |
| Problem loans | 1.07% (stronger) | 3.50% |
| Net charge-offs | 0.51% | 0.21% (stronger) |
| Return on assets | 0.30% (stronger) | -0.03% |
| Loans ÷ deposits | 64.6% | 28.1% (stronger) |
| Uninsured deposits | 0.7% (stronger) | 3.6% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Stanwood Area Federal Credit Union has the higher TellerScore (62 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Stanwood Area Federal Credit Union leads on 4 and Cal-Ed Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.