Side-by-side · Q2 2026 data
Education Personnel Federal Credit Union vs United Equity 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 | United Equity Credit Union |
|---|---|---|
| TellerScore | 76 | 94 (stronger) |
| Capital cushion | 73 | 100 (stronger) |
| Loan quality | 80 | 92 (stronger) |
| Earnings | 50 | 87 (stronger) |
| Funding & liquidity | 100 (stronger) | 88 |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 54th | 95th |
| Total assets | $74.3M | $66.2M |
| Deposits / shares | $65.6M | $53.7M |
| Capital ratio | 12.26% | 18.66% (stronger) |
| Problem loans | 0.60% | 0.23% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.21% |
| Return on assets | 0.75% | 1.68% (stronger) |
| Loans ÷ deposits | 50.7% (stronger) | 72.5% |
| Uninsured deposits | 2.2% | 0.0% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Equity Credit Union has the higher TellerScore (94 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Education Personnel Federal Credit Union leads on 2 and United Equity Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.