Side-by-side · Q2 2026 data
Swemp Federal Credit Union vs Employees United Federal Credit Union
Credit union
Employees United Federal Credit Union
Paris, Texas · Under $100 million in assets
Metric by metric
| Measure | Swemp Federal Credit Union | Employees United Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 92 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 65 | 97 (stronger) |
| Earnings | 42 | 63 (stronger) |
| Funding & liquidity | 72 | 100 (stronger) |
| Problem-loan coverage | 92 | 100 (stronger) |
| Peer percentile | 52nd | 92nd |
| Total assets | $12.9M | $12.4M |
| Deposits / shares | $10.4M | $8.3M |
| Capital ratio | 19.49% | 32.74% (stronger) |
| Problem loans | 1.04% | 0.08% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.07% |
| Return on assets | 0.55% | 1.07% (stronger) |
| Loans ÷ deposits | 88.3% | 31.7% (stronger) |
| Uninsured deposits | 4.3% | 0.1% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Employees United Federal Credit Union has the higher TellerScore (92 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Swemp Federal Credit Union leads on 1 and Employees United Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.