Side-by-side · Q2 2026 data
Sunward Federal Credit Union vs First Financial Credit Union
Credit union
First Financial Credit Union
Albuquerque, New Mexico · $1 billion – $10 billion
Metric by metric
| Measure | Sunward Federal Credit Union | First Financial Credit Union |
|---|---|---|
| TellerScore | 60 (stronger) | 50 |
| Capital cushion | 39 (stronger) | 31 |
| Loan quality | 87 (stronger) | 53 |
| Earnings | 35 (stronger) | 32 |
| Funding & liquidity | 67 | 86 (stronger) |
| Problem-loan coverage | 93 (stronger) | 77 |
| Peer percentile | 25th | 6th |
| Total assets | $4.6B | $1.1B |
| Deposits / shares | $3.5B | $1.0B |
| Capital ratio | 8.91% (stronger) | 8.12% |
| Problem loans | 0.40% (stronger) | 1.40% |
| Net charge-offs | 0.36% (stronger) | 0.74% |
| Return on assets | 0.37% (stronger) | 0.29% |
| Loans ÷ deposits | 93.3% | 73.8% (stronger) |
| Uninsured deposits | 12.4% | 6.0% (stronger) |
| Offices | 13 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.1% | 19.0% |
Sunward Federal Credit Union has the higher TellerScore (60 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Sunward Federal Credit Union leads on 5 and First Financial Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.