Side-by-side · Q2 2026 data
Educational Community Credit Union vs City Credit Union
Credit union
Educational Community Credit Union
Springfield, Missouri · Under $100 million in assets
Metric by metric
| Measure | Educational Community Credit Union | City Credit Union |
|---|---|---|
| TellerScore | 65 (stronger) | 61 |
| Capital cushion | 48 | 69 (stronger) |
| Loan quality | 71 (stronger) | 37 |
| Earnings | 43 | 45 (stronger) |
| Funding & liquidity | 99 (stronger) | 93 |
| Problem-loan coverage | 90 (stronger) | 81 |
| Peer percentile | 30th | 23rd |
| Total assets | $77.7M | $65.5M |
| Deposits / shares | $69.5M | $56.6M |
| Capital ratio | 9.82% | 11.93% (stronger) |
| Problem loans | 0.86% (stronger) | 1.90% |
| Net charge-offs | 0.62% (stronger) | 0.75% |
| Return on assets | 0.58% | 0.62% (stronger) |
| Loans ÷ deposits | 61.6% (stronger) | 67.4% |
| Uninsured deposits | 3.3% (stronger) | 9.1% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Educational Community Credit Union has the higher TellerScore (65 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Educational Community Credit Union leads on 5 and City Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.