Side-by-side · Q2 2026 data
Currency Bank vs Essential Credit Union
Metric by metric
| Measure | Currency Bank | Essential Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 50 |
| Capital cushion | 84 (stronger) | 41 |
| Loan quality | 95 (stronger) | 52 |
| Earnings | 98 (stronger) | 38 |
| Funding & liquidity | 50 | 64 (stronger) |
| Problem-loan coverage | 99 (stronger) | 72 |
| Peer percentile | 90th | 6th |
| Total assets | $248.5M | $434.2M |
| Deposits / shares | $203.2M | $362.4M |
| Capital ratio | 13.38% (stronger) | 9.06% |
| Problem loans | 0.14% (stronger) | 1.45% |
| Net charge-offs | -0.05% (stronger) | 0.93% |
| Return on assets | 1.95% (stronger) | 0.46% |
| Loans ÷ deposits | 93.0% (stronger) | 96.4% |
| Uninsured deposits | 30.3% | 5.9% (stronger) |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Currency Bank has the higher TellerScore (86 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Currency Bank leads on 6 and Essential Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.