Side-by-side · Q2 2026 data
Education Personnel Federal Credit Union vs Select Employees Credit Union
Credit union
Education Personnel Federal Credit Union
Danville, Illinois · Under $100 million in assets
Credit union
Select Employees Credit Union
Sterling, Illinois · Under $100 million in assets
Metric by metric
| Measure | Education Personnel Federal Credit Union | Select Employees Credit Union |
|---|---|---|
| TellerScore | 76 | 86 (stronger) |
| Capital cushion | 73 | 76 (stronger) |
| Loan quality | 80 | 91 (stronger) |
| Earnings | 50 | 82 (stronger) |
| Funding & liquidity | 100 (stronger) | 92 |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 54th | 80th |
| Total assets | $74.3M | $78.6M |
| Deposits / shares | $65.6M | $68.4M |
| Capital ratio | 12.26% | 12.63% (stronger) |
| Problem loans | 0.60% | 0.26% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.13% |
| Return on assets | 0.75% | 1.55% (stronger) |
| Loans ÷ deposits | 50.7% (stronger) | 68.2% |
| Uninsured deposits | 2.2% (stronger) | 3.9% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Select Employees Credit Union has the higher TellerScore (86 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Education Personnel Federal Credit Union leads on 3 and Select Employees Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.