Side-by-side · Q2 2026 data
Educational Community Credit Union vs Health Care Family Credit Union
Credit union
Educational Community Credit Union
Springfield, Missouri · Under $100 million in assets
Credit union
Health Care Family Credit Union
Saint Louis, Missouri · Under $100 million in assets
Metric by metric
| Measure | Educational Community Credit Union | Health Care Family Credit Union |
|---|---|---|
| TellerScore | 65 (stronger) | 62 |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 71 (stronger) | 19 |
| Earnings | 43 (stronger) | 42 |
| Funding & liquidity | 99 (stronger) | 74 |
| Problem-loan coverage | 90 (stronger) | 78 |
| Peer percentile | 30th | 24th |
| Total assets | $77.7M | $75.2M |
| Deposits / shares | $69.5M | $62.9M |
| Capital ratio | 9.82% | 15.80% (stronger) |
| Problem loans | 0.86% (stronger) | 2.42% |
| Net charge-offs | 0.62% | 0.35% (stronger) |
| Return on assets | 0.58% (stronger) | 0.54% |
| Loans ÷ deposits | 61.6% (stronger) | 86.0% |
| Uninsured deposits | 3.3% (stronger) | 4.1% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Educational Community Credit Union has the higher TellerScore (65 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Educational Community Credit Union leads on 5 and Health Care Family Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.