Side-by-side · Q2 2026 data
Velma Federal Credit Union vs Endurance Federal Credit Union
Metric by metric
| Measure | Velma Federal Credit Union | Endurance Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 83 (stronger) |
| Capital cushion | 100 (stronger) | 87 |
| Loan quality | 48 | 93 (stronger) |
| Earnings | 100 (stronger) | 48 |
| Funding & liquidity | 59 | 94 (stronger) |
| Problem-loan coverage | 81 | 98 (stronger) |
| Peer percentile | 62nd | 83rd |
| Total assets | $3.1M | $196.5M |
| Deposits / shares | $2.6M | $168.5M |
| Capital ratio | 15.16% (stronger) | 13.69% |
| Problem loans | 1.55% | 0.21% (stronger) |
| Net charge-offs | 0.30% | 0.16% (stronger) |
| Return on assets | 2.08% (stronger) | 0.70% |
| Loans ÷ deposits | 100.9% | 66.4% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 4.4% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Endurance Federal Credit Union has the higher TellerScore (83 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Velma Federal Credit Union leads on 3 and Endurance 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.