Side-by-side · Q2 2026 data
Star USA Federal Credit Union vs Putnam School Employees Federal Credit Union
Credit union
Star USA Federal Credit Union
Charleston, West Virginia · $100 million – $1 billion
Credit union
Putnam School Employees Federal Credit Union
Eleanor, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Star USA Federal Credit Union | Putnam School Employees Federal Credit Union |
|---|---|---|
| TellerScore | 62 | 99 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 67 | 95 (stronger) |
| Earnings | 48 | 100 (stronger) |
| Funding & liquidity | 78 | 100 (stronger) |
| Problem-loan coverage | 70 | 99 (stronger) |
| Peer percentile | 26th | 99th |
| Total assets | $153.0M | $14.1M |
| Deposits / shares | $129.0M | $11.1M |
| Capital ratio | 10.61% | 21.00% (stronger) |
| Problem loans | 0.98% | 0.14% (stronger) |
| Net charge-offs | 0.34% | 0.00% (stronger) |
| Return on assets | 0.70% | 3.81% (stronger) |
| Loans ÷ deposits | 82.7% | 60.0% (stronger) |
| Uninsured deposits | 2.4% | 0.0% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.6% | — |
Putnam School Employees Federal Credit Union has the higher TellerScore (99 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Star USA Federal Credit Union leads on 0 and Putnam School Employees Federal Credit Union on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.