Side-by-side · Q2 2026 data
Educators Credit Union vs First Central Credit Union
Metric by metric
| Measure | Educators Credit Union | First Central Credit Union |
|---|---|---|
| TellerScore | 99 (stronger) | 76 |
| Capital cushion | 100 | 100 |
| Loan quality | 94 (stronger) | 35 |
| Earnings | 100 (stronger) | 68 |
| Funding & liquidity | 100 (stronger) | 99 |
| Problem-loan coverage | 100 (stronger) | 85 |
| Peer percentile | 100th | 68th |
| Total assets | $609.5M | $191.7M |
| Deposits / shares | $484.8M | $160.2M |
| Capital ratio | 20.32% (stronger) | 16.35% |
| Problem loans | 0.17% (stronger) | 1.95% |
| Net charge-offs | 0.03% (stronger) | 0.75% |
| Return on assets | 2.30% (stronger) | 1.19% |
| Loans ÷ deposits | 28.4% (stronger) | 61.3% |
| Uninsured deposits | 7.9% | 5.1% (stronger) |
| Offices | 8 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 16.0% |
Educators Credit Union has the higher TellerScore (99 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Educators Credit Union leads on 6 and First Central Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.