Side-by-side · Q2 2026 data
Educational Community Credit Union vs Multi-States Credit Union
Credit union
Educational Community Credit Union
Springfield, Missouri · Under $100 million in assets
Metric by metric
| Measure | Educational Community Credit Union | Multi-States Credit Union |
|---|---|---|
| TellerScore | 65 | 78 (stronger) |
| Capital cushion | 48 | 75 (stronger) |
| Loan quality | 71 | 88 (stronger) |
| Earnings | 43 | 65 (stronger) |
| Funding & liquidity | 99 (stronger) | 71 |
| Problem-loan coverage | 90 | 95 (stronger) |
| Peer percentile | 30th | 59th |
| Total assets | $77.7M | $90.9M |
| Deposits / shares | $69.5M | $78.9M |
| Capital ratio | 9.82% | 12.46% (stronger) |
| Problem loans | 0.86% | 0.36% (stronger) |
| Net charge-offs | 0.62% | 0.01% (stronger) |
| Return on assets | 0.58% | 1.13% (stronger) |
| Loans ÷ deposits | 61.6% (stronger) | 89.4% |
| Uninsured deposits | 3.3% | 2.7% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Multi-States Credit Union has the higher TellerScore (78 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Educational Community Credit Union leads on 1 and Multi-States Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.