Side-by-side · Q2 2026 data
America'S Credit Union vs Education Credit Union
Metric by metric
| Measure | America'S Credit Union | Education Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 70 |
| Capital cushion | 100 (stronger) | 76 |
| Loan quality | 80 (stronger) | 79 |
| Earnings | 21 | 41 (stronger) |
| Funding & liquidity | 83 (stronger) | 66 |
| Problem-loan coverage | 93 (stronger) | 90 |
| Peer percentile | 68th | 51st |
| Total assets | $427.6M | $469.2M |
| Deposits / shares | $362.2M | $404.3M |
| Capital ratio | 15.01% (stronger) | 12.63% |
| Problem loans | 0.59% (stronger) | 0.64% |
| Net charge-offs | 0.89% | 0.88% (stronger) |
| Return on assets | 0.02% | 0.53% (stronger) |
| Loans ÷ deposits | 77.4% (stronger) | 94.6% |
| Uninsured deposits | 5.1% (stronger) | 5.5% |
| Offices | 8 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.0% | 1.8% |
America'S Credit Union has the higher TellerScore (76 vs 70). On the 7 directional measures above (where higher or lower is clearly better), America'S Credit Union leads on 5 and Education Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.