Side-by-side · Q2 2026 data
State Department Federal Credit Union vs Apple Federal Credit Union
Credit union
State Department Federal Credit Union
Alexandria, Virginia · $1 billion – $10 billion
Metric by metric
| Measure | State Department Federal Credit Union | Apple Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 76 (stronger) |
| Capital cushion | 58 | 59 (stronger) |
| Loan quality | 71 | 81 (stronger) |
| Earnings | 40 | 76 (stronger) |
| Funding & liquidity | 87 | 90 (stronger) |
| Problem-loan coverage | 91 | 93 (stronger) |
| Peer percentile | 41st | 79th |
| Total assets | $2.9B | $5.7B |
| Deposits / shares | $2.4B | $4.8B |
| Capital ratio | 10.78% | 10.93% (stronger) |
| Problem loans | 0.86% | 0.56% (stronger) |
| Net charge-offs | 0.61% | 0.55% (stronger) |
| Return on assets | 0.49% | 1.40% (stronger) |
| Loans ÷ deposits | 65.5% (stronger) | 69.9% |
| Uninsured deposits | 22.2% | 13.2% (stronger) |
| Offices | 6 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 33.1% | 33.0% |
Apple Federal Credit Union has the higher TellerScore (76 vs 65). On the 7 directional measures above (where higher or lower is clearly better), State Department Federal Credit Union leads on 1 and Apple Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.