Side-by-side · Q2 2026 data
BOC Bank vs Education Credit Union
Metric by metric
| Measure | BOC Bank | Education Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 70 |
| Capital cushion | 74 | 76 (stronger) |
| Loan quality | 100 (stronger) | 79 |
| Earnings | 100 (stronger) | 41 |
| Funding & liquidity | 27 | 66 (stronger) |
| Problem-loan coverage | 100 (stronger) | 90 |
| Peer percentile | 80th | 51st |
| Total assets | $203.4M | $469.2M |
| Deposits / shares | $176.7M | $404.3M |
| Capital ratio | 12.41% | 12.63% (stronger) |
| Problem loans | 0.00% (stronger) | 0.64% |
| Net charge-offs | 0.00% (stronger) | 0.88% |
| Return on assets | 1.99% (stronger) | 0.53% |
| Loans ÷ deposits | 84.6% (stronger) | 94.6% |
| Uninsured deposits | 58.5% | 5.5% (stronger) |
| Offices | 4 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.8% |
BOC Bank has the higher TellerScore (81 vs 70). On the 7 directional measures above (where higher or lower is clearly better), BOC Bank leads on 5 and Education Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.