Side-by-side · Q2 2026 data
Education Personnel Federal Credit Union vs Gale Credit Union
Credit union
Education Personnel Federal Credit Union
Danville, Illinois · Under $100 million in assets
Metric by metric
| Measure | Education Personnel Federal Credit Union | Gale Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 73 |
| Capital cushion | 73 (stronger) | 56 |
| Loan quality | 80 | 89 (stronger) |
| Earnings | 50 | 55 (stronger) |
| Funding & liquidity | 100 (stronger) | 86 |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 54th | 47th |
| Total assets | $74.3M | $73.7M |
| Deposits / shares | $65.6M | $65.7M |
| Capital ratio | 12.26% (stronger) | 10.62% |
| Problem loans | 0.60% | 0.33% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.14% |
| Return on assets | 0.75% | 0.88% (stronger) |
| Loans ÷ deposits | 50.7% (stronger) | 74.1% |
| Uninsured deposits | 2.2% (stronger) | 3.3% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Education Personnel Federal Credit Union has the higher TellerScore (76 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Education Personnel Federal Credit Union leads on 5 and Gale Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.