Side-by-side · Q2 2026 data
Community First Credit Union vs St. Joseph Teachers' Credit Union
Credit union
St. Joseph Teachers' Credit Union
Saint Joseph, Missouri · Under $100 million in assets
Metric by metric
| Measure | Community First Credit Union | St. Joseph Teachers' Credit Union |
|---|---|---|
| TellerScore | 65 | 78 (stronger) |
| Capital cushion | 65 (stronger) | 59 |
| Loan quality | 91 (stronger) | 90 |
| Earnings | 14 | 64 (stronger) |
| Funding & liquidity | 71 | 100 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 30th | 59th |
| Total assets | $8.5M | $8.7M |
| Deposits / shares | $7.4M | $8.0M |
| Capital ratio | 11.52% (stronger) | 10.90% |
| Problem loans | 0.26% (stronger) | 0.29% |
| Net charge-offs | 1.56% | 0.00% (stronger) |
| Return on assets | -0.14% | 1.11% (stronger) |
| Loans ÷ deposits | 89.4% | 34.5% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. Joseph Teachers' Credit Union has the higher TellerScore (78 vs 65). On the 6 directional measures above (where higher or lower is clearly better), Community First Credit Union leads on 2 and St. Joseph Teachers' Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.