Side-by-side · Q2 2026 data
Electric Cooperatives vs Telcoe Federal Credit Union
Metric by metric
| Measure | Electric Cooperatives | Telcoe Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 89 |
| Capital cushion | 100 | 100 |
| Loan quality | 97 (stronger) | 96 |
| Earnings | 77 (stronger) | 52 |
| Funding & liquidity | 94 | 100 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 95th | 94th |
| Total assets | $18.6M | $503.4M |
| Deposits / shares | $15.8M | $423.1M |
| Capital ratio | 15.16% | 20.21% (stronger) |
| Problem loans | 0.08% (stronger) | 0.12% |
| Net charge-offs | 0.03% | 0.02% (stronger) |
| Return on assets | 1.43% (stronger) | 0.80% |
| Loans ÷ deposits | 66.5% | 37.0% (stronger) |
| Uninsured deposits | 2.9% (stronger) | 13.5% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.2% |
Electric Cooperatives has the higher TellerScore (94 vs 89). On the 7 directional measures above (where higher or lower is clearly better), Electric Cooperatives leads on 4 and Telcoe Federal 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.