Side-by-side · Q2 2026 data
Xavier University Federal Credit Union vs James Ward, Jr. Federal Credit Union
Credit union
Xavier University Federal Credit Union
New Orleans, Louisiana · Under $100 million in assets
Credit union
James Ward, Jr. Federal Credit Union
Jennings, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Xavier University Federal Credit Union | James Ward, Jr. Federal Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 62 |
| Capital cushion | 90 | 100 (stronger) |
| Loan quality | 27 (stronger) | 0 |
| Earnings | 70 (stronger) | 68 |
| Funding & liquidity | 100 (stronger) | 70 |
| Problem-loan coverage | 92 (stronger) | 82 |
| Peer percentile | 44th | 24th |
| Total assets | $1.7M | $1.9M |
| Deposits / shares | $1.5M | $1.2M |
| Capital ratio | 14.02% | 34.13% (stronger) |
| Problem loans | 2.18% (stronger) | 5.33% |
| Net charge-offs | 1.54% | 1.38% (stronger) |
| Return on assets | 1.24% (stronger) | 1.19% |
| Loans ÷ deposits | 31.1% (stronger) | 90.7% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Xavier University Federal Credit Union has the higher TellerScore (72 vs 62). On the 6 directional measures above (where higher or lower is clearly better), Xavier University Federal Credit Union leads on 4 and James Ward, Jr. Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.