Side-by-side · Q2 2026 data
Elga Credit Union vs Lake Trust Credit Union
Metric by metric
| Measure | Elga Credit Union | Lake Trust Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 62 |
| Capital cushion | 100 (stronger) | 58 |
| Loan quality | 54 | 65 (stronger) |
| Earnings | 59 (stronger) | 48 |
| Funding & liquidity | 72 (stronger) | 69 |
| Problem-loan coverage | 89 (stronger) | 85 |
| Peer percentile | 75th | 30th |
| Total assets | $2.5B | $2.9B |
| Deposits / shares | $2.0B | $2.5B |
| Capital ratio | 17.80% (stronger) | 10.84% |
| Problem loans | 1.38% | 1.06% (stronger) |
| Net charge-offs | 0.70% | 0.66% (stronger) |
| Return on assets | 0.98% (stronger) | 0.70% |
| Loans ÷ deposits | 79.4% (stronger) | 86.6% |
| Uninsured deposits | 23.2% | 19.4% (stronger) |
| Offices | 9 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.0% | 44.1% |
Elga Credit Union has the higher TellerScore (75 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Elga Credit Union leads on 4 and Lake Trust Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.