Side-by-side · Q2 2026 data
The Summit Federal Credit Union vs ESL Federal Credit Union
Metric by metric
| Measure | The Summit Federal Credit Union | ESL Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 90 (stronger) |
| Capital cushion | 63 | 100 (stronger) |
| Loan quality | 89 (stronger) | 70 |
| Earnings | 55 | 100 (stronger) |
| Funding & liquidity | 69 | 86 (stronger) |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 66th | 92nd |
| Total assets | $1.5B | $10.8B |
| Deposits / shares | $1.3B | $6.2B |
| Capital ratio | 11.31% | 16.40% (stronger) |
| Problem loans | 0.34% (stronger) | 0.90% |
| Net charge-offs | 0.22% (stronger) | 0.83% |
| Return on assets | 0.86% | 2.26% (stronger) |
| Loans ÷ deposits | 91.7% | 74.2% (stronger) |
| Uninsured deposits | 5.6% (stronger) | 10.2% |
| Offices | 2 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.4% |
ESL Federal Credit Union has the higher TellerScore (90 vs 72). On the 7 directional measures above (where higher or lower is clearly better), The Summit Federal Credit Union leads on 3 and ESL 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.