Side-by-side · Q2 2026 data
Civic Central Credit Union vs Missouri Electric Cooperatives Empl
Credit union
Civic Central Credit Union
Jefferson City, Missouri · $100 million – $1 billion
Credit union
Missouri Electric Cooperatives Empl
Jefferson City, Missouri · $100 million – $1 billion
Metric by metric
| Measure | Civic Central Credit Union | Missouri Electric Cooperatives Empl |
|---|---|---|
| TellerScore | 86 (stronger) | 82 |
| Capital cushion | 88 (stronger) | 63 |
| Loan quality | 84 | 96 (stronger) |
| Earnings | 71 | 75 (stronger) |
| Funding & liquidity | 100 (stronger) | 93 |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 89th | 82nd |
| Total assets | $105.0M | $396.8M |
| Deposits / shares | $91.7M | $344.0M |
| Capital ratio | 13.84% (stronger) | 11.32% |
| Problem loans | 0.48% | 0.13% (stronger) |
| Net charge-offs | 0.38% | 0.04% (stronger) |
| Return on assets | 1.28% | 1.37% (stronger) |
| Loans ÷ deposits | 51.1% (stronger) | 67.3% |
| Uninsured deposits | 0.5% (stronger) | 12.2% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.8% |
Civic Central Credit Union has the higher TellerScore (86 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Civic Central Credit Union leads on 4 and Missouri Electric Cooperatives Empl on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.