Side-by-side · Q2 2026 data
Electric Cooperatives vs White County Federal Credit Union
Credit union
White County Federal Credit Union
Searcy, Arkansas · Under $100 million in assets
Metric by metric
| Measure | Electric Cooperatives | White County Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 65 |
| Capital cushion | 100 | 100 |
| Loan quality | 97 (stronger) | 14 |
| Earnings | 77 (stronger) | 59 |
| Funding & liquidity | 94 (stronger) | 80 |
| Problem-loan coverage | 99 (stronger) | 80 |
| Peer percentile | 95th | 30th |
| Total assets | $18.6M | $17.0M |
| Deposits / shares | $15.8M | $13.8M |
| Capital ratio | 15.16% | 17.68% (stronger) |
| Problem loans | 0.08% (stronger) | 2.58% |
| Net charge-offs | 0.03% (stronger) | 0.15% |
| Return on assets | 1.43% (stronger) | 0.99% |
| Loans ÷ deposits | 66.5% (stronger) | 80.4% |
| Uninsured deposits | 2.9% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Electric Cooperatives has the higher TellerScore (94 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Electric Cooperatives leads on 5 and White County Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.