Side-by-side · Q2 2026 data
Educational Employees Credit Union vs San Joaquin Power Employees Credit Union
Credit union
Educational Employees Credit Union
Fresno, California · $1 billion – $10 billion
Credit union
San Joaquin Power Employees Credit Union
Fresno, California · $100 million – $1 billion
Metric by metric
| Measure | Educational Employees Credit Union | San Joaquin Power Employees Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 84 |
| Capital cushion | 96 | 100 (stronger) |
| Loan quality | 93 | 99 (stronger) |
| Earnings | 94 (stronger) | 42 |
| Funding & liquidity | 100 (stronger) | 73 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 100th | 86th |
| Total assets | $5.4B | $174.9M |
| Deposits / shares | $4.6B | $144.9M |
| Capital ratio | 14.58% | 15.39% (stronger) |
| Problem loans | 0.20% | 0.04% (stronger) |
| Net charge-offs | 0.48% | 0.05% (stronger) |
| Return on assets | 1.84% (stronger) | 0.55% |
| Loans ÷ deposits | 50.2% (stronger) | 87.0% |
| Uninsured deposits | 3.9% | 0.0% (stronger) |
| Offices | 23 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 52.0% | 13.5% |
Educational Employees Credit Union has the higher TellerScore (96 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Educational Employees Credit Union leads on 3 and San Joaquin Power Employees Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.