Side-by-side · Q2 2026 data
Waterford Bank, N.A. vs Eight Federal Credit Union
Metric by metric
| Measure | Waterford Bank, N.A. | Eight Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 96 (stronger) |
| Capital cushion | 54 | 98 (stronger) |
| Loan quality | 77 | 99 (stronger) |
| Earnings | 71 | 83 (stronger) |
| Funding & liquidity | 49 | 100 (stronger) |
| Problem-loan coverage | 90 | 100 (stronger) |
| Peer percentile | 40th | 97th |
| Total assets | $1.8B | $25.3M |
| Deposits / shares | $1.6B | $21.4M |
| Capital ratio | 10.45% | 14.76% (stronger) |
| Problem loans | 0.68% | 0.02% (stronger) |
| Net charge-offs | -0.08% (stronger) | -0.02% |
| Return on assets | 1.29% | 1.57% (stronger) |
| Loans ÷ deposits | 88.5% | 37.9% (stronger) |
| Uninsured deposits | 35.2% | 2.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.7% | — |
Eight Federal Credit Union has the higher TellerScore (96 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Waterford Bank, N.A. leads on 1 and Eight Federal Credit Union on 6. 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.