Side-by-side · Q2 2026 data
Electel Cooperative vs Summit Credit Union
Metric by metric
| Measure | Electel Cooperative | Summit Credit Union |
|---|---|---|
| TellerScore | 72 | 82 (stronger) |
| Capital cushion | 77 | 100 (stronger) |
| Loan quality | 88 (stronger) | 76 |
| Earnings | 20 | 56 (stronger) |
| Funding & liquidity | 90 (stronger) | 82 |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 44th | 82nd |
| Total assets | $68.2M | $368.8M |
| Deposits / shares | $59.9M | $298.4M |
| Capital ratio | 12.67% | 15.44% (stronger) |
| Problem loans | 0.37% (stronger) | 0.71% |
| Net charge-offs | 0.35% (stronger) | 1.22% |
| Return on assets | 0.01% | 0.91% (stronger) |
| Loans ÷ deposits | 70.6% (stronger) | 78.3% |
| Uninsured deposits | 7.6% (stronger) | 11.0% |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Summit Credit Union has the higher TellerScore (82 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Electel Cooperative leads on 4 and Summit Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.