Side-by-side · Q2 2026 data
Elca Federal Credit Union vs 2 Rivers Area Credit Union
Metric by metric
| Measure | Elca Federal Credit Union | 2 Rivers Area Credit Union |
|---|---|---|
| TellerScore | 67 (stronger) | 66 |
| Capital cushion | 59 (stronger) | 57 |
| Loan quality | 94 (stronger) | 74 |
| Earnings | 32 | 34 (stronger) |
| Funding & liquidity | 61 | 96 (stronger) |
| Problem-loan coverage | 99 (stronger) | 91 |
| Peer percentile | 34th | 32nd |
| Total assets | $30.1M | $27.7M |
| Deposits / shares | $26.6M | $25.1M |
| Capital ratio | 10.92% (stronger) | 10.68% |
| Problem loans | 0.18% (stronger) | 0.78% |
| Net charge-offs | 0.19% (stronger) | 0.27% |
| Return on assets | 0.30% | 0.35% (stronger) |
| Loans ÷ deposits | 45.4% (stronger) | 64.7% |
| Uninsured deposits | 50.0% | 6.4% (stronger) |
| Offices | 0 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Elca Federal Credit Union has the higher TellerScore (67 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Elca Federal Credit Union leads on 5 and 2 Rivers Area Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.