Side-by-side · Q2 2026 data
E-Central Credit Union vs San Joaquin Power Employees Credit Union
Credit union
San Joaquin Power Employees Credit Union
Fresno, California · $100 million – $1 billion
Metric by metric
| Measure | E-Central Credit Union | San Joaquin Power Employees Credit Union |
|---|---|---|
| TellerScore | 78 | 84 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 74 | 99 (stronger) |
| Earnings | 49 (stronger) | 42 |
| Funding & liquidity | 76 (stronger) | 73 |
| Problem-loan coverage | 83 | 100 (stronger) |
| Peer percentile | 74th | 86th |
| Total assets | $173.5M | $174.9M |
| Deposits / shares | $130.7M | $144.9M |
| Capital ratio | 23.41% (stronger) | 15.39% |
| Problem loans | 0.77% | 0.04% (stronger) |
| Net charge-offs | 0.21% | 0.05% (stronger) |
| Return on assets | 0.72% (stronger) | 0.55% |
| Loans ÷ deposits | 84.6% (stronger) | 87.0% |
| Uninsured deposits | 6.9% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.5% |
San Joaquin Power Employees Credit Union has the higher TellerScore (84 vs 78). On the 7 directional measures above (where higher or lower is clearly better), E-Central Credit Union leads on 3 and San Joaquin Power Employees Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.