Side-by-side · Q2 2026 data
Strata Federal Credit Union vs Downey Federal Credit Union
Metric by metric
| Measure | Strata Federal Credit Union | Downey Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 59 |
| Capital cushion | 92 (stronger) | 38 |
| Loan quality | 92 (stronger) | 83 |
| Earnings | 32 | 33 (stronger) |
| Funding & liquidity | 75 | 95 (stronger) |
| Problem-loan coverage | 97 (stronger) | 64 |
| Peer percentile | 74th | 19th |
| Total assets | $344.5M | $327.9M |
| Deposits / shares | $291.4M | $267.9M |
| Capital ratio | 14.20% (stronger) | 8.80% |
| Problem loans | 0.23% (stronger) | 0.52% |
| Net charge-offs | 0.80% | 0.28% (stronger) |
| Return on assets | 0.31% | 0.32% (stronger) |
| Loans ÷ deposits | 85.3% | 64.9% (stronger) |
| Uninsured deposits | 4.7% (stronger) | 6.4% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 30.9% |
Strata Federal Credit Union has the higher TellerScore (78 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Strata Federal Credit Union leads on 4 and Downey Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.