Side-by-side · Q2 2026 data
Ecm Federal Credit Union vs Mutual Federal Credit Union
Credit union
Ecm Federal Credit Union
Ridgeland, Mississippi · Under $100 million in assets
Metric by metric
| Measure | Ecm Federal Credit Union | Mutual Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 84 |
| Capital cushion | 99 (stronger) | 90 |
| Loan quality | 78 (stronger) | 64 |
| Earnings | 69 | 88 (stronger) |
| Funding & liquidity | 98 (stronger) | 96 |
| Problem-loan coverage | 95 (stronger) | 90 |
| Peer percentile | 83rd | 86th |
| Total assets | $28.9M | $528.5M |
| Deposits / shares | $24.4M | $458.9M |
| Capital ratio | 14.87% (stronger) | 13.98% |
| Problem loans | 0.66% (stronger) | 1.08% |
| Net charge-offs | 0.01% (stronger) | 0.85% |
| Return on assets | 1.22% | 1.69% (stronger) |
| Loans ÷ deposits | 62.1% (stronger) | 64.1% |
| Uninsured deposits | 0.0% (stronger) | 5.4% |
| Offices | 1 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ecm Federal Credit Union has the higher TellerScore (87 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Ecm Federal Credit Union leads on 6 and Mutual Federal Credit Union on 1. 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.