Side-by-side · Q2 2026 data
Baptist Health Federal Credit Union vs Electric Cooperatives
Credit union
Baptist Health Federal Credit Union
Little Rock, Arkansas · Under $100 million in assets
Metric by metric
| Measure | Baptist Health Federal Credit Union | Electric Cooperatives |
|---|---|---|
| TellerScore | 65 | 94 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 39 | 97 (stronger) |
| Earnings | 19 | 77 (stronger) |
| Funding & liquidity | 83 | 94 (stronger) |
| Problem-loan coverage | 91 | 99 (stronger) |
| Peer percentile | 30th | 95th |
| Total assets | $45.4M | $18.6M |
| Deposits / shares | $34.6M | $15.8M |
| Capital ratio | 23.55% (stronger) | 15.16% |
| Problem loans | 1.84% | 0.08% (stronger) |
| Net charge-offs | 1.20% | 0.03% (stronger) |
| Return on assets | -0.02% | 1.43% (stronger) |
| Loans ÷ deposits | 77.6% | 66.5% (stronger) |
| Uninsured deposits | 2.6% (stronger) | 2.9% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Electric Cooperatives has the higher TellerScore (94 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Baptist Health Federal Credit Union leads on 2 and Electric Cooperatives on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.