Side-by-side · Q2 2026 data
Baton Rouge Telco Federal Credit Union vs Essential Credit Union
Credit union
Baton Rouge Telco Federal Credit Union
Baton Rouge, Louisiana · $100 million – $1 billion
Metric by metric
| Measure | Baton Rouge Telco Federal Credit Union | Essential Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 50 |
| Capital cushion | 74 (stronger) | 41 |
| Loan quality | 88 (stronger) | 52 |
| Earnings | 44 (stronger) | 38 |
| Funding & liquidity | 60 | 64 (stronger) |
| Problem-loan coverage | 94 (stronger) | 72 |
| Peer percentile | 54th | 6th |
| Total assets | $457.7M | $434.2M |
| Deposits / shares | $399.2M | $362.4M |
| Capital ratio | 12.43% (stronger) | 9.06% |
| Problem loans | 0.36% (stronger) | 1.45% |
| Net charge-offs | 0.80% (stronger) | 0.93% |
| Return on assets | 0.59% (stronger) | 0.46% |
| Loans ÷ deposits | 100.5% | 96.4% (stronger) |
| Uninsured deposits | 9.5% | 5.9% (stronger) |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Baton Rouge Telco Federal Credit Union has the higher TellerScore (71 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Baton Rouge Telco Federal Credit Union leads on 5 and Essential Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.