Side-by-side · Q2 2026 data
Arsenal Credit Union vs Missouri Electric Cooperatives Empl
Credit union
Missouri Electric Cooperatives Empl
Jefferson City, Missouri · $100 million – $1 billion
Metric by metric
| Measure | Arsenal Credit Union | Missouri Electric Cooperatives Empl |
|---|---|---|
| TellerScore | 55 | 82 (stronger) |
| Capital cushion | 38 | 63 (stronger) |
| Loan quality | 63 | 96 (stronger) |
| Earnings | 40 | 75 (stronger) |
| Funding & liquidity | 81 | 93 (stronger) |
| Problem-loan coverage | 76 | 99 (stronger) |
| Peer percentile | 12th | 82nd |
| Total assets | $387.5M | $396.8M |
| Deposits / shares | $354.1M | $344.0M |
| Capital ratio | 8.84% | 11.32% (stronger) |
| Problem loans | 1.10% | 0.13% (stronger) |
| Net charge-offs | 1.56% | 0.04% (stronger) |
| Return on assets | 0.51% | 1.37% (stronger) |
| Loans ÷ deposits | 79.3% | 67.3% (stronger) |
| Uninsured deposits | 4.3% (stronger) | 12.2% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.2% | 3.8% |
Missouri Electric Cooperatives Empl has the higher TellerScore (82 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Arsenal Credit Union leads on 1 and Missouri Electric Cooperatives Empl on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.