Side-by-side · Q2 2026 data
Electric Machinery Employees Credit Union vs Austin City Employees Credit Union
Credit union
Electric Machinery Employees Credit Union
Minneapolis, Minnesota · Under $100 million in assets
Credit union
Austin City Employees Credit Union
Austin, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Electric Machinery Employees Credit Union | Austin City Employees Credit Union |
|---|---|---|
| TellerScore | 71 | 97 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 60 | 100 (stronger) |
| Earnings | 5 | 94 (stronger) |
| Funding & liquidity | 100 (stronger) | 89 |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 42nd | 98th |
| Total assets | $8.4M | $11.6M |
| Deposits / shares | $6.3M | $9.3M |
| Capital ratio | 24.60% (stronger) | 19.09% |
| Problem loans | 1.20% | 0.00% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | -0.38% | 1.86% (stronger) |
| Loans ÷ deposits | 58.3% (stronger) | 71.5% |
| Uninsured deposits | 0.0% (stronger) | 2.9% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Austin City Employees Credit Union has the higher TellerScore (97 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Electric Machinery Employees Credit Union leads on 4 and Austin City Employees Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.