Side-by-side · Q2 2026 data
Education First Credit Union, Inc. vs Greater Cincinnati School Credit Union
Credit union
Education First Credit Union, Inc.
Columbus, Ohio · $100 million – $1 billion
Credit union
Greater Cincinnati School Credit Union
Cincinnati, Ohio · $100 million – $1 billion
Metric by metric
| Measure | Education First Credit Union, Inc. | Greater Cincinnati School Credit Union |
|---|---|---|
| TellerScore | 54 | 78 (stronger) |
| Capital cushion | 50 | 84 (stronger) |
| Loan quality | 29 | 85 (stronger) |
| Earnings | 68 (stronger) | 45 |
| Funding & liquidity | 78 | 86 (stronger) |
| Problem-loan coverage | 67 | 95 (stronger) |
| Peer percentile | 10th | 74th |
| Total assets | $145.7M | $135.1M |
| Deposits / shares | $125.6M | $116.3M |
| Capital ratio | 10.00% | 13.38% (stronger) |
| Problem loans | 2.13% | 0.46% (stronger) |
| Net charge-offs | 0.22% | 0.16% (stronger) |
| Return on assets | 1.19% (stronger) | 0.62% |
| Loans ÷ deposits | 82.4% | 74.2% (stronger) |
| Uninsured deposits | 5.2% | 0.0% (stronger) |
| Offices | 0 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.5% | — |
Greater Cincinnati School Credit Union has the higher TellerScore (78 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Education First Credit Union, Inc. leads on 1 and Greater Cincinnati School Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.