Side-by-side · Q2 2026 data
Ellis County Teachers and Employees Federal Credit Union vs Germania Credit Union
Credit union
Ellis County Teachers and Employees Federal Credit Union
Waxahachie, Texas · Under $100 million in assets
Metric by metric
| Measure | Ellis County Teachers and Employees Federal Credit Union | Germania Credit Union |
|---|---|---|
| TellerScore | 97 (stronger) | 81 |
| Capital cushion | 100 (stronger) | 76 |
| Loan quality | 100 | 100 |
| Earnings | 87 (stronger) | 41 |
| Funding & liquidity | 100 (stronger) | 98 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 98th | 68th |
| Total assets | $18.5M | $19.5M |
| Deposits / shares | $14.7M | $16.9M |
| Capital ratio | 20.13% (stronger) | 12.58% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | -0.07% (stronger) | -0.03% |
| Return on assets | 1.67% (stronger) | 0.53% |
| Loans ÷ deposits | 48.3% (stronger) | 62.2% |
| Uninsured deposits | 0.0% (stronger) | 1.9% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ellis County Teachers and Employees Federal Credit Union has the higher TellerScore (97 vs 81). On the 6 directional measures above (where higher or lower is clearly better), Ellis County Teachers and Employees Federal Credit Union leads on 6 and Germania Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.