Side-by-side · Q2 2026 data
Western Sun Federal Credit Union vs Saint Francis Employees Federal Credit Union
Credit union
Western Sun Federal Credit Union
Broken Arrow, Oklahoma · $100 million – $1 billion
Credit union
Saint Francis Employees Federal Credit Union
Tulsa, Oklahoma · Under $100 million in assets
Metric by metric
| Measure | Western Sun Federal Credit Union | Saint Francis Employees Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 92 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 76 | 93 (stronger) |
| Earnings | 24 | 70 (stronger) |
| Funding & liquidity | 65 | 99 (stronger) |
| Problem-loan coverage | 94 | 99 (stronger) |
| Peer percentile | 60th | 92nd |
| Total assets | $181.5M | $44.7M |
| Deposits / shares | $148.2M | $37.2M |
| Capital ratio | 17.57% (stronger) | 15.92% |
| Problem loans | 0.71% | 0.20% (stronger) |
| Net charge-offs | 0.69% | 0.46% (stronger) |
| Return on assets | 0.09% | 1.24% (stronger) |
| Loans ÷ deposits | 95.7% | 41.0% (stronger) |
| Uninsured deposits | 2.7% (stronger) | 15.9% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.8% | — |
Saint Francis Employees Federal Credit Union has the higher TellerScore (92 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Western Sun Federal Credit Union leads on 2 and Saint Francis Employees Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.