Side-by-side · Q2 2026 data
State Employees Credit Union vs First Financial Credit Union
Credit union
State Employees Credit Union
Santa Fe, New Mexico · $1 billion – $10 billion
Credit union
First Financial Credit Union
Albuquerque, New Mexico · $1 billion – $10 billion
Metric by metric
| Measure | State Employees Credit Union | First Financial Credit Union |
|---|---|---|
| TellerScore | 46 | 50 (stronger) |
| Capital cushion | 64 (stronger) | 31 |
| Loan quality | 0 | 53 (stronger) |
| Earnings | 57 (stronger) | 32 |
| Funding & liquidity | 77 | 86 (stronger) |
| Problem-loan coverage | 41 | 77 (stronger) |
| Peer percentile | 4th | 6th |
| Total assets | $1.3B | $1.1B |
| Deposits / shares | $1.1B | $1.0B |
| Capital ratio | 11.38% (stronger) | 8.12% |
| Problem loans | 4.46% | 1.40% (stronger) |
| Net charge-offs | 1.05% | 0.74% (stronger) |
| Return on assets | 0.91% (stronger) | 0.29% |
| Loans ÷ deposits | 83.4% | 73.8% (stronger) |
| Uninsured deposits | 4.7% (stronger) | 6.0% |
| Offices | 6 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.0% |
First Financial Credit Union has the higher TellerScore (50 vs 46). On the 7 directional measures above (where higher or lower is clearly better), State Employees Credit Union leads on 3 and First Financial Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.