Side-by-side · Q2 2026 data
Encore Bank vs Telcoe Federal Credit Union
Metric by metric
| Measure | Encore Bank | Telcoe Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 89 (stronger) |
| Capital cushion | 44 | 100 (stronger) |
| Loan quality | 94 | 96 (stronger) |
| Earnings | 35 | 52 (stronger) |
| Funding & liquidity | 53 | 100 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 24th | 94th |
| Total assets | $3.7B | $503.4M |
| Deposits / shares | $3.4B | $423.1M |
| Capital ratio | 9.43% | 20.21% (stronger) |
| Problem loans | 0.17% | 0.12% (stronger) |
| Net charge-offs | 0.13% | 0.02% (stronger) |
| Return on assets | 0.37% | 0.80% (stronger) |
| Loans ÷ deposits | 80.1% | 37.0% (stronger) |
| Uninsured deposits | 39.8% | 13.5% (stronger) |
| Offices | 16 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.6% | 4.2% |
Telcoe Federal Credit Union has the higher TellerScore (89 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Encore Bank leads on 0 and Telcoe Federal Credit Union on 7. 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.