Side-by-side · Q2 2026 data
Ely Area Credit Union vs Federated Employees Credit Union
Credit union
Federated Employees Credit Union
Owatonna, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Ely Area Credit Union | Federated Employees Credit Union |
|---|---|---|
| TellerScore | 99 (stronger) | 82 |
| Capital cushion | 100 (stronger) | 82 |
| Loan quality | 95 (stronger) | 94 |
| Earnings | 100 (stronger) | 51 |
| Funding & liquidity | 100 (stronger) | 95 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 99th | 70th |
| Total assets | $74.3M | $66.7M |
| Deposits / shares | $61.6M | $57.9M |
| Capital ratio | 16.97% (stronger) | 13.17% |
| Problem loans | 0.14% (stronger) | 0.19% |
| Net charge-offs | -0.18% (stronger) | 0.38% |
| Return on assets | 2.60% (stronger) | 0.78% |
| Loans ÷ deposits | 41.9% (stronger) | 65.3% |
| Uninsured deposits | 2.8% | 1.5% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.5% | — |
Ely Area Credit Union has the higher TellerScore (99 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Ely Area Credit Union leads on 6 and Federated Employees Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.