Side-by-side · Q2 2026 data
Educational Community Credit Union vs Members 1st Credit Union
Credit union
Educational Community Credit Union
Springfield, Missouri · Under $100 million in assets
Metric by metric
| Measure | Educational Community Credit Union | Members 1st Credit Union |
|---|---|---|
| TellerScore | 65 | 71 (stronger) |
| Capital cushion | 48 | 48 |
| Loan quality | 71 | 92 (stronger) |
| Earnings | 43 | 52 (stronger) |
| Funding & liquidity | 99 (stronger) | 87 |
| Problem-loan coverage | 90 | 97 (stronger) |
| Peer percentile | 30th | 42nd |
| Total assets | $77.7M | $76.5M |
| Deposits / shares | $69.5M | $67.6M |
| Capital ratio | 9.82% (stronger) | 9.76% |
| Problem loans | 0.86% | 0.24% (stronger) |
| Net charge-offs | 0.62% | 0.12% (stronger) |
| Return on assets | 0.58% | 0.80% (stronger) |
| Loans ÷ deposits | 61.6% (stronger) | 73.0% |
| Uninsured deposits | 3.3% (stronger) | 9.9% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Members 1st Credit Union has the higher TellerScore (71 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Educational Community Credit Union leads on 3 and Members 1st Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.