Side-by-side · Q2 2026 data
Conservation Employees Credit Union vs United Consumers Credit Union
Credit union
Conservation Employees Credit Union
Jefferson City, Missouri · $100 million – $1 billion
Metric by metric
| Measure | Conservation Employees Credit Union | United Consumers Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 69 |
| Capital cushion | 48 | 70 (stronger) |
| Loan quality | 93 (stronger) | 61 |
| Earnings | 67 (stronger) | 63 |
| Funding & liquidity | 90 (stronger) | 77 |
| Problem-loan coverage | 97 (stronger) | 85 |
| Peer percentile | 63rd | 48th |
| Total assets | $194.9M | $217.2M |
| Deposits / shares | $176.5M | $189.3M |
| Capital ratio | 9.75% | 11.97% (stronger) |
| Problem loans | 0.20% (stronger) | 1.17% |
| Net charge-offs | 0.03% (stronger) | 0.35% |
| Return on assets | 1.17% (stronger) | 1.07% |
| Loans ÷ deposits | 69.9% (stronger) | 83.1% |
| Uninsured deposits | 5.0% (stronger) | 7.8% |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.8% |
Conservation Employees Credit Union has the higher TellerScore (74 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Conservation Employees Credit Union leads on 6 and United Consumers Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.