Side-by-side · Q2 2026 data
Educators Credit Union vs Royal Credit Union
Metric by metric
| Measure | Educators Credit Union | Royal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 73 |
| Capital cushion | 89 (stronger) | 58 |
| Loan quality | 68 | 86 (stronger) |
| Earnings | 76 | 79 (stronger) |
| Funding & liquidity | 84 (stronger) | 63 |
| Problem-loan coverage | 91 | 93 (stronger) |
| Peer percentile | 89th | 70th |
| Total assets | $4.0B | $5.9B |
| Deposits / shares | $3.3B | $5.2B |
| Capital ratio | 13.92% (stronger) | 10.83% |
| Problem loans | 0.97% | 0.43% (stronger) |
| Net charge-offs | 0.42% (stronger) | 0.59% |
| Return on assets | 1.39% | 1.47% (stronger) |
| Loans ÷ deposits | 76.6% (stronger) | 97.5% |
| Uninsured deposits | 1.3% (stronger) | 11.2% |
| Offices | 17 | 48 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.3% |
Educators Credit Union has the higher TellerScore (81 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Educators Credit Union leads on 5 and Royal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.