Side-by-side · Q2 2026 data
Educational Community Credit Union vs Postal & Community Credit Union
Credit union
Educational Community Credit Union
Springfield, Missouri · Under $100 million in assets
Credit union
Postal & Community Credit Union
Saint Joseph, Missouri · Under $100 million in assets
Metric by metric
| Measure | Educational Community Credit Union | Postal & Community Credit Union |
|---|---|---|
| TellerScore | 65 | 69 (stronger) |
| Capital cushion | 48 | 49 (stronger) |
| Loan quality | 71 | 87 (stronger) |
| Earnings | 43 | 62 (stronger) |
| Funding & liquidity | 99 (stronger) | 73 |
| Problem-loan coverage | 90 | 94 (stronger) |
| Peer percentile | 30th | 38th |
| Total assets | $77.7M | $94.7M |
| Deposits / shares | $69.5M | $85.4M |
| Capital ratio | 9.82% | 9.86% (stronger) |
| Problem loans | 0.86% | 0.38% (stronger) |
| Net charge-offs | 0.62% | 0.41% (stronger) |
| Return on assets | 0.58% | 1.05% (stronger) |
| Loans ÷ deposits | 61.6% (stronger) | 87.1% |
| Uninsured deposits | 3.3% (stronger) | 7.9% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Postal & Community Credit Union has the higher TellerScore (69 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Educational Community Credit Union leads on 2 and Postal & Community Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.