Side-by-side · Q2 2026 data
State Department Federal Credit Union vs United States Senate Federal Credit Union
Credit union
State Department Federal Credit Union
Alexandria, Virginia · $1 billion – $10 billion
Credit union
United States Senate Federal Credit Union
Alexandria, Virginia · $1 billion – $10 billion
Metric by metric
| Measure | State Department Federal Credit Union | United States Senate Federal Credit Union |
|---|---|---|
| TellerScore | 65 (stronger) | 45 |
| Capital cushion | 58 (stronger) | 29 |
| Loan quality | 71 (stronger) | 46 |
| Earnings | 40 (stronger) | 28 |
| Funding & liquidity | 87 (stronger) | 80 |
| Problem-loan coverage | 91 (stronger) | 70 |
| Peer percentile | 41st | 3rd |
| Total assets | $2.9B | $1.5B |
| Deposits / shares | $2.4B | $1.4B |
| Capital ratio | 10.78% (stronger) | 7.88% |
| Problem loans | 0.86% (stronger) | 1.63% |
| Net charge-offs | 0.61% (stronger) | 0.97% |
| Return on assets | 0.49% (stronger) | 0.19% |
| Loans ÷ deposits | 65.5% (stronger) | 79.9% |
| Uninsured deposits | 22.2% | 11.8% (stronger) |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 33.1% | 14.7% |
State Department Federal Credit Union has the higher TellerScore (65 vs 45). On the 7 directional measures above (where higher or lower is clearly better), State Department Federal Credit Union leads on 6 and United States Senate Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.