Side-by-side · Q2 2026 data
Sunward Federal Credit Union vs Santa Fe Federal Credit Union
Metric by metric
| Measure | Sunward Federal Credit Union | Santa Fe Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 73 (stronger) |
| Capital cushion | 39 | 79 (stronger) |
| Loan quality | 87 (stronger) | 84 |
| Earnings | 35 (stronger) | 28 |
| Funding & liquidity | 67 | 87 (stronger) |
| Problem-loan coverage | 93 | 95 (stronger) |
| Peer percentile | 25th | 60th |
| Total assets | $4.6B | $214.8M |
| Deposits / shares | $3.5B | $184.2M |
| Capital ratio | 8.91% | 12.90% (stronger) |
| Problem loans | 0.40% (stronger) | 0.48% |
| Net charge-offs | 0.36% (stronger) | 1.05% |
| Return on assets | 0.37% (stronger) | 0.20% |
| Loans ÷ deposits | 93.3% | 73.1% (stronger) |
| Uninsured deposits | 12.4% | 8.6% (stronger) |
| Offices | 13 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.1% | — |
Santa Fe Federal Credit Union has the higher TellerScore (73 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Sunward Federal Credit Union leads on 3 and Santa Fe Federal Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.