Side-by-side · Q2 2026 data
Ely Area Credit Union vs Smw Financial Credit Union
Metric by metric
| Measure | Ely Area Credit Union | Smw Financial Credit Union |
|---|---|---|
| TellerScore | 99 (stronger) | 75 |
| Capital cushion | 100 (stronger) | 65 |
| Loan quality | 95 | 100 (stronger) |
| Earnings | 100 (stronger) | 38 |
| Funding & liquidity | 100 (stronger) | 85 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 99th | 52nd |
| Total assets | $74.3M | $87.5M |
| Deposits / shares | $61.6M | $77.6M |
| Capital ratio | 16.97% (stronger) | 11.51% |
| Problem loans | 0.14% | 0.01% (stronger) |
| Net charge-offs | -0.18% (stronger) | 0.22% |
| Return on assets | 2.60% (stronger) | 0.44% |
| Loans ÷ deposits | 41.9% (stronger) | 74.9% |
| Uninsured deposits | 2.8% (stronger) | 5.1% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.5% | 0.0% |
Ely Area Credit Union has the higher TellerScore (99 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Ely Area Credit Union leads on 6 and Smw Financial Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.