Side-by-side · Q2 2026 data
E L C O Federal Credit Union vs Omega Psi Phi Fraternity Federal Credit Union
Credit union
Omega Psi Phi Fraternity Federal Credit Union
Toccoa, Georgia · Under $100 million in assets
Metric by metric
| Measure | E L C O Federal Credit Union | Omega Psi Phi Fraternity Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 62 |
| Capital cushion | 100 (stronger) | 41 |
| Loan quality | 74 (stronger) | 73 |
| Earnings | 78 (stronger) | 34 |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 75th | 24th |
| Total assets | $5.3M | $5.5M |
| Deposits / shares | $4.2M | $5.0M |
| Capital ratio | 20.10% (stronger) | 9.14% |
| Problem loans | 0.78% (stronger) | 0.81% |
| Net charge-offs | 0.42% (stronger) | 1.10% |
| Return on assets | 1.45% (stronger) | 0.35% |
| Loans ÷ deposits | 90.2% | 36.8% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 12.4% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
E L C O Federal Credit Union has the higher TellerScore (84 vs 62). On the 7 directional measures above (where higher or lower is clearly better), E L C O Federal Credit Union leads on 6 and Omega Psi Phi Fraternity Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.