Side-by-side · Q2 2026 data
Electric Cooperatives vs U.P. Employees Federal Credit Union
Credit union
U.P. Employees Federal Credit Union
North Little Ro, Arkansas · Under $100 million in assets
Metric by metric
| Measure | Electric Cooperatives | U.P. Employees Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 41 |
| Capital cushion | 100 (stronger) | 47 |
| Loan quality | 97 (stronger) | 23 |
| Earnings | 77 (stronger) | 0 |
| Funding & liquidity | 94 (stronger) | 91 |
| Problem-loan coverage | 99 (stronger) | 72 |
| Peer percentile | 95th | 3rd |
| Total assets | $18.6M | $2.6M |
| Deposits / shares | $15.8M | $2.5M |
| Capital ratio | 15.16% (stronger) | 9.65% |
| Problem loans | 0.08% (stronger) | 2.32% |
| Net charge-offs | 0.03% (stronger) | 0.53% |
| Return on assets | 1.43% (stronger) | -8.33% |
| Loans ÷ deposits | 66.5% (stronger) | 69.1% |
| Uninsured deposits | 2.9% | 0.0% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Electric Cooperatives has the higher TellerScore (94 vs 41). On the 7 directional measures above (where higher or lower is clearly better), Electric Cooperatives leads on 6 and U.P. Employees Federal Credit Union on 1. 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.