Side-by-side · Q2 2026 data
Union Federal Credit Union vs St. Mary Parish School Emp. Federal Credit Union
Credit union
St. Mary Parish School Emp. Federal Credit Union
Franklin, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Union Federal Credit Union | St. Mary Parish School Emp. Federal Credit Union |
|---|---|---|
| TellerScore | 80 | 85 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 84 |
| Earnings | 0 | 47 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 65th | 77th |
| Total assets | $611K | $455K |
| Deposits / shares | $474K | $349K |
| Capital ratio | 21.22% | 22.66% (stronger) |
| Problem loans | 0.00% (stronger) | 0.49% |
| Net charge-offs | 0.00% (stronger) | 3.83% |
| Return on assets | -3.96% | 0.67% (stronger) |
| Loans ÷ deposits | 30.7% | 17.9% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. Mary Parish School Emp. Federal Credit Union has the higher TellerScore (85 vs 80). On the 6 directional measures above (where higher or lower is clearly better), Union Federal Credit Union leads on 2 and St. Mary Parish School Emp. Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.