Side-by-side · Q2 2026 data
Dow Credit Union vs Elga Credit Union
Metric by metric
| Measure | Dow Credit Union | Elga Credit Union |
|---|---|---|
| TellerScore | 73 | 75 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 90 (stronger) | 54 |
| Earnings | 50 | 59 (stronger) |
| Funding & liquidity | 100 (stronger) | 72 |
| Problem-loan coverage | 97 (stronger) | 89 |
| Peer percentile | 70th | 75th |
| Total assets | $2.6B | $2.5B |
| Deposits / shares | $2.3B | $2.0B |
| Capital ratio | 10.07% | 17.80% (stronger) |
| Problem loans | 0.29% (stronger) | 1.38% |
| Net charge-offs | 0.44% (stronger) | 0.70% |
| Return on assets | 0.76% | 0.98% (stronger) |
| Loans ÷ deposits | 52.4% (stronger) | 79.4% |
| Uninsured deposits | 8.1% (stronger) | 23.2% |
| Offices | 2 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.1% | 19.0% |
Elga Credit Union has the higher TellerScore (75 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Dow Credit Union leads on 4 and Elga Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.