Side-by-side · Q2 2026 data
Strata Federal Credit Union vs Families and Schools Together Federal Credit Union
Credit union
Families and Schools Together Federal Credit Union
Hanford, California · $100 million – $1 billion
Metric by metric
| Measure | Strata Federal Credit Union | Families and Schools Together Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 92 (stronger) |
| Capital cushion | 92 | 100 (stronger) |
| Loan quality | 92 (stronger) | 88 |
| Earnings | 32 | 100 (stronger) |
| Funding & liquidity | 75 (stronger) | 67 |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 74th | 97th |
| Total assets | $344.5M | $329.6M |
| Deposits / shares | $291.4M | $260.3M |
| Capital ratio | 14.20% | 20.04% (stronger) |
| Problem loans | 0.23% (stronger) | 0.37% |
| Net charge-offs | 0.80% | 0.30% (stronger) |
| Return on assets | 0.31% | 2.52% (stronger) |
| Loans ÷ deposits | 85.3% (stronger) | 93.2% |
| Uninsured deposits | 4.7% (stronger) | 12.6% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 41.3% |
Families and Schools Together Federal Credit Union has the higher TellerScore (92 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Strata Federal Credit Union leads on 3 and Families and Schools Together Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.