Side-by-side · Q2 2026 data
Elca Federal Credit Union vs Kaskaskia Valley Community Credit Union
Credit union
Kaskaskia Valley Community Credit Union
Centralia, Illinois · Under $100 million in assets
Metric by metric
| Measure | Elca Federal Credit Union | Kaskaskia Valley Community Credit Union |
|---|---|---|
| TellerScore | 67 (stronger) | 49 |
| Capital cushion | 59 (stronger) | 29 |
| Loan quality | 94 (stronger) | 62 |
| Earnings | 32 (stronger) | 13 |
| Funding & liquidity | 61 | 94 (stronger) |
| Problem-loan coverage | 99 (stronger) | 83 |
| Peer percentile | 34th | 8th |
| Total assets | $30.1M | $29.4M |
| Deposits / shares | $26.6M | $26.6M |
| Capital ratio | 10.92% (stronger) | 7.91% |
| Problem loans | 0.18% (stronger) | 1.13% |
| Net charge-offs | 0.19% (stronger) | 0.51% |
| Return on assets | 0.30% (stronger) | -0.18% |
| Loans ÷ deposits | 45.4% (stronger) | 66.5% |
| Uninsured deposits | 50.0% | 0.0% (stronger) |
| Offices | 0 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Elca Federal Credit Union has the higher TellerScore (67 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Elca Federal Credit Union leads on 6 and Kaskaskia Valley Community Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.