Side-by-side · Q2 2026 data
Covenant Savings Federal Credit Union vs Educators Credit Union
Credit union
Covenant Savings Federal Credit Union
Killeen, Texas · Under $100 million in assets
Metric by metric
| Measure | Covenant Savings Federal Credit Union | Educators Credit Union |
|---|---|---|
| TellerScore | 72 | 99 (stronger) |
| Capital cushion | 75 | 100 (stronger) |
| Loan quality | 44 | 94 (stronger) |
| Earnings | 84 | 100 (stronger) |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 83 | 100 (stronger) |
| Peer percentile | 44th | 100th |
| Total assets | $4.2M | $609.5M |
| Deposits / shares | $3.6M | $484.8M |
| Capital ratio | 12.48% | 20.32% (stronger) |
| Problem loans | 1.69% | 0.17% (stronger) |
| Net charge-offs | 0.14% | 0.03% (stronger) |
| Return on assets | 1.59% | 2.30% (stronger) |
| Loans ÷ deposits | 73.3% | 28.4% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 7.9% |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Educators Credit Union has the higher TellerScore (99 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Covenant Savings Federal Credit Union leads on 1 and Educators Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.