Side-by-side · Q2 2026 data
Elca Federal Credit Union vs Area Educational Credit Union
Credit union
Area Educational Credit Union
Mattoon, Illinois · Under $100 million in assets
Metric by metric
| Measure | Elca Federal Credit Union | Area Educational Credit Union |
|---|---|---|
| TellerScore | 67 | 87 (stronger) |
| Capital cushion | 59 | 100 (stronger) |
| Loan quality | 94 (stronger) | 69 |
| Earnings | 32 | 74 (stronger) |
| Funding & liquidity | 61 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 34th | 83rd |
| Total assets | $30.1M | $33.7M |
| Deposits / shares | $26.6M | $26.8M |
| Capital ratio | 10.92% | 20.35% (stronger) |
| Problem loans | 0.18% (stronger) | 0.92% |
| Net charge-offs | 0.19% (stronger) | 0.33% |
| Return on assets | 0.30% | 1.34% (stronger) |
| Loans ÷ deposits | 45.4% (stronger) | 45.7% |
| Uninsured deposits | 50.0% | 1.0% (stronger) |
| Offices | 0 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Area Educational Credit Union has the higher TellerScore (87 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Elca Federal Credit Union leads on 3 and Area Educational Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.