Side-by-side · Q2 2026 data
Electel Cooperative vs Telco Credit Union
Metric by metric
| Measure | Electel Cooperative | Telco Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 35 |
| Capital cushion | 77 (stronger) | 75 |
| Loan quality | 88 (stronger) | 0 |
| Earnings | 20 (stronger) | 0 |
| Funding & liquidity | 90 (stronger) | 69 |
| Problem-loan coverage | 96 (stronger) | 22 |
| Peer percentile | 44th | 2nd |
| Total assets | $68.2M | $51.3M |
| Deposits / shares | $59.9M | $44.7M |
| Capital ratio | 12.67% (stronger) | 12.54% |
| Problem loans | 0.37% (stronger) | 6.00% |
| Net charge-offs | 0.35% (stronger) | 1.92% |
| Return on assets | 0.01% (stronger) | -0.77% |
| Loans ÷ deposits | 70.6% (stronger) | 90.9% |
| Uninsured deposits | 7.6% | 6.8% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Electel Cooperative has the higher TellerScore (72 vs 35). On the 7 directional measures above (where higher or lower is clearly better), Electel Cooperative leads on 6 and Telco Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.