Side-by-side · Q2 2026 data
1st Gateway Credit Union vs Employees Credit Union
Metric by metric
| Measure | 1st Gateway Credit Union | Employees Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 70 |
| Capital cushion | 91 | 100 (stronger) |
| Loan quality | 88 (stronger) | 0 |
| Earnings | 54 | 84 (stronger) |
| Funding & liquidity | 72 | 100 (stronger) |
| Problem-loan coverage | 95 (stronger) | 85 |
| Peer percentile | 78th | 51st |
| Total assets | $170.9M | $203.4M |
| Deposits / shares | $146.9M | $164.1M |
| Capital ratio | 14.08% | 18.96% (stronger) |
| Problem loans | 0.35% (stronger) | 3.25% |
| Net charge-offs | 0.24% (stronger) | 0.25% |
| Return on assets | 0.84% | 1.61% (stronger) |
| Loans ÷ deposits | 88.3% | 53.5% (stronger) |
| Uninsured deposits | 3.1% (stronger) | 11.4% |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
1st Gateway Credit Union has the higher TellerScore (80 vs 70). On the 7 directional measures above (where higher or lower is clearly better), 1st Gateway Credit Union leads on 4 and Employees Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.