Side-by-side · Q2 2026 data
Educational Community Credit Union vs Telcomm Credit Union
Credit union
Educational Community Credit Union
Springfield, Missouri · Under $100 million in assets
Metric by metric
| Measure | Educational Community Credit Union | Telcomm Credit Union |
|---|---|---|
| TellerScore | 65 | 77 (stronger) |
| Capital cushion | 48 | 82 (stronger) |
| Loan quality | 71 | 92 (stronger) |
| Earnings | 43 (stronger) | 41 |
| Funding & liquidity | 99 (stronger) | 75 |
| Problem-loan coverage | 90 | 96 (stronger) |
| Peer percentile | 30th | 71st |
| Total assets | $77.7M | $337.9M |
| Deposits / shares | $69.5M | $286.3M |
| Capital ratio | 9.82% | 13.18% (stronger) |
| Problem loans | 0.86% | 0.25% (stronger) |
| Net charge-offs | 0.62% | 0.55% (stronger) |
| Return on assets | 0.58% (stronger) | 0.54% |
| Loans ÷ deposits | 61.6% (stronger) | 85.6% |
| Uninsured deposits | 3.3% | 2.2% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.8% |
Telcomm Credit Union has the higher TellerScore (77 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Educational Community Credit Union leads on 2 and Telcomm Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.