Side-by-side · Q2 2026 data
Beka Federal Credit Union vs E L C O Federal Credit Union
Metric by metric
| Measure | Beka Federal Credit Union | E L C O Federal Credit Union |
|---|---|---|
| TellerScore | 63 | 84 (stronger) |
| Capital cushion | 80 | 100 (stronger) |
| Loan quality | 71 | 74 (stronger) |
| Earnings | 0 | 78 (stronger) |
| Funding & liquidity | 81 (stronger) | 70 |
| Problem-loan coverage | 91 | 95 (stronger) |
| Peer percentile | 26th | 75th |
| Total assets | $4.6M | $5.3M |
| Deposits / shares | $4.0M | $4.2M |
| Capital ratio | 12.97% | 20.10% (stronger) |
| Problem loans | 0.86% | 0.78% (stronger) |
| Net charge-offs | 2.55% | 0.42% (stronger) |
| Return on assets | -0.65% | 1.45% (stronger) |
| Loans ÷ deposits | 79.7% (stronger) | 90.2% |
| Uninsured deposits | 1.4% | 0.0% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
E L C O Federal Credit Union has the higher TellerScore (84 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Beka Federal Credit Union leads on 1 and E L C O Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.