Side-by-side · Q2 2026 data
Elements Financial Federal Credit Union vs 1st Street Credit Union
Credit union
Elements Financial Federal Credit Union
Indianapolis, Indiana · $1 billion – $10 billion
Metric by metric
| Measure | Elements Financial Federal Credit Union | 1st Street Credit Union |
|---|---|---|
| TellerScore | 77 | 89 (stronger) |
| Capital cushion | 69 | 97 (stronger) |
| Loan quality | 85 | 97 (stronger) |
| Earnings | 76 (stronger) | 55 |
| Funding & liquidity | 69 | 100 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 82nd | 87th |
| Total assets | $2.5B | $34.5M |
| Deposits / shares | $2.0B | $29.2M |
| Capital ratio | 11.92% | 14.66% (stronger) |
| Problem loans | 0.46% | 0.10% (stronger) |
| Net charge-offs | 0.21% | 0.18% (stronger) |
| Return on assets | 1.40% (stronger) | 0.86% |
| Loans ÷ deposits | 85.3% | 42.0% (stronger) |
| Uninsured deposits | 20.5% | 6.1% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.7% | — |
1st Street Credit Union has the higher TellerScore (89 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Elements Financial Federal Credit Union leads on 1 and 1st Street Credit Union on 6. 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.