Side-by-side · Q2 2026 data
Sunward Federal Credit Union vs State Employees Credit Union
Credit union
State Employees Credit Union
Santa Fe, New Mexico · $1 billion – $10 billion
Metric by metric
| Measure | Sunward Federal Credit Union | State Employees Credit Union |
|---|---|---|
| TellerScore | 60 (stronger) | 46 |
| Capital cushion | 39 | 64 (stronger) |
| Loan quality | 87 (stronger) | 0 |
| Earnings | 35 | 57 (stronger) |
| Funding & liquidity | 67 | 77 (stronger) |
| Problem-loan coverage | 93 (stronger) | 41 |
| Peer percentile | 25th | 4th |
| Total assets | $4.6B | $1.3B |
| Deposits / shares | $3.5B | $1.1B |
| Capital ratio | 8.91% | 11.38% (stronger) |
| Problem loans | 0.40% (stronger) | 4.46% |
| Net charge-offs | 0.36% (stronger) | 1.05% |
| Return on assets | 0.37% | 0.91% (stronger) |
| Loans ÷ deposits | 93.3% | 83.4% (stronger) |
| Uninsured deposits | 12.4% | 4.7% (stronger) |
| Offices | 13 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.1% | — |
Sunward Federal Credit Union has the higher TellerScore (60 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Sunward Federal Credit Union leads on 3 and State Employees Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.