Financial-condition comparison

S AND J SCHOOL EMPLOYEES vs U.P.S.

This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”

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Credit union

S AND J SCHOOL EMPLOYEES

Wintersville, OH

Health score

53.9

Total assets

$3.0M

View full profileData through 2026-Q1

Credit union

U.P.S.

Cincinnati, OH

Health score

66.2

Total assets

$3.3M

View full profileData through 2026-Q1

Answer first

Different strengths, no blanket winner

S AND J SCHOOL EMPLOYEES leads on profitability; U.P.S. leads on financial health and capitalization and lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.

Capital and asset-quality definitions are directly comparable for this pair.

Category leaders

Where each institution leads

Financial health

U.P.S.

Higher TFS health score

Capitalization

U.P.S.

Higher comparable capital ratio

Profitability

S AND J SCHOOL EMPLOYEES

Higher return on assets

Lending quality

U.P.S.

Lower problem-loan measure

Same-source detail

Financial metrics

Winner markers appear only where the metric definitions are comparable and both values are available.

Metric	S AND J SCHOOL EMPLOYEES	U.P.S.
TFS health score	53.9/100	66.2/100Leads
Total assets	$3.0M	$3.3M
Total deposits / shares	$2.7M	$2.9M
Net worth ratio	11.06%	12.52%Leads
Return on assets	0.45%Leads	0.01%
Return on equity	4.11%Leads

Branch and market overlap

S AND J SCHOOL EMPLOYEES

1 branches

U.P.S.

2 branches

Both institutions report branches in 1 state: OH.

CFPB complaint coverage

S AND J SCHOOL EMPLOYEES

Unavailable

U.P.S.

Unavailable

Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.

Regulatory-action context

S AND J SCHOOL EMPLOYEES

0 in TFS registry

U.P.S.

0 in TFS registry

Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.

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S AND J SCHOOL EMPLOYEES

U.P.S.

Coverage boundaries

What this does not conclude

• No product-rate, fee, or customer-service winner without product data.
• Complaint comparisons appear only when both institutions have reviewed mappings and the same complete source window.
• Regulatory actions are displayed separately and are not included in category scoring.

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Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.