Side-by-side · Q2 2026 data
Education First Federal Credit Union vs My Community Credit Union
Metric by metric
| Measure | Education First Federal Credit Union | My Community Credit Union |
|---|---|---|
| TellerScore | 65 (stronger) | 55 |
| Capital cushion | 41 | 53 (stronger) |
| Loan quality | 79 (stronger) | 59 |
| Earnings | 49 (stronger) | 31 |
| Funding & liquidity | 91 (stronger) | 67 |
| Problem-loan coverage | 91 (stronger) | 80 |
| Peer percentile | 34th | 12th |
| Total assets | $583.1M | $555.3M |
| Deposits / shares | $532.6M | $492.0M |
| Capital ratio | 9.11% | 10.29% (stronger) |
| Problem loans | 0.62% (stronger) | 1.24% |
| Net charge-offs | 1.04% | 0.86% (stronger) |
| Return on assets | 0.72% (stronger) | 0.27% |
| Loans ÷ deposits | 68.9% (stronger) | 93.2% |
| Uninsured deposits | 6.7% (stronger) | 10.3% |
| Offices | 8 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Education First Federal Credit Union has the higher TellerScore (65 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Education First Federal Credit Union leads on 5 and My Community Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.