Side-by-side · Q2 2026 data
Educational Community Credit Union vs Volt Credit Union
Credit union
Educational Community Credit Union
Springfield, Missouri · Under $100 million in assets
Metric by metric
| Measure | Educational Community Credit Union | Volt Credit Union |
|---|---|---|
| TellerScore | 65 (stronger) | 56 |
| Capital cushion | 48 (stronger) | 34 |
| Loan quality | 71 | 95 (stronger) |
| Earnings | 43 (stronger) | 0 |
| Funding & liquidity | 99 (stronger) | 84 |
| Problem-loan coverage | 90 | 98 (stronger) |
| Peer percentile | 30th | 16th |
| Total assets | $77.7M | $85.8M |
| Deposits / shares | $69.5M | $78.0M |
| Capital ratio | 9.82% (stronger) | 8.39% |
| Problem loans | 0.86% | 0.14% (stronger) |
| Net charge-offs | 0.62% | 0.50% (stronger) |
| Return on assets | 0.58% (stronger) | -0.91% |
| Loans ÷ deposits | 61.6% (stronger) | 76.7% |
| Uninsured deposits | 3.3% | 1.8% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Educational Community Credit Union has the higher TellerScore (65 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Educational Community Credit Union leads on 4 and Volt Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.