Side-by-side · Q2 2026 data
Washington Financial Bank vs S and J School Employees Federal Credit Union
Credit union
S and J School Employees Federal Credit Union
Wintersville, Ohio · Under $100 million in assets
Metric by metric
| Measure | Washington Financial Bank | S and J School Employees Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 45 |
| Capital cushion | 97 (stronger) | 59 |
| Loan quality | 85 (stronger) | 0 |
| Earnings | 66 (stronger) | 38 |
| Funding & liquidity | 51 | 90 (stronger) |
| Problem-loan coverage | 95 (stronger) | 65 |
| Peer percentile | 91st | 5th |
| Total assets | $1.4B | $3.1M |
| Deposits / shares | $1.2B | $2.7M |
| Capital ratio | 14.75% (stronger) | 10.92% |
| Problem loans | 0.46% (stronger) | 3.16% |
| Net charge-offs | 0.57% | 0.00% (stronger) |
| Return on assets | 1.15% (stronger) | 0.46% |
| Loans ÷ deposits | 87.2% | 70.3% (stronger) |
| Uninsured deposits | 34.8% | 0.0% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.0% | — |
Washington Financial Bank has the higher TellerScore (81 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Washington Financial Bank leads on 4 and S and J School Employees Federal Credit Union on 3. 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.