Side-by-side · Q2 2026 data
Energy Capital Credit Union vs Unity One Credit Union
Metric by metric
| Measure | Energy Capital Credit Union | Unity One Credit Union |
|---|---|---|
| TellerScore | 52 (stronger) | 51 |
| Capital cushion | 46 (stronger) | 34 |
| Loan quality | 79 (stronger) | 67 |
| Earnings | 0 | 4 (stronger) |
| Funding & liquidity | 66 | 98 (stronger) |
| Problem-loan coverage | 89 (stronger) | 86 |
| Peer percentile | 8th | 7th |
| Total assets | $261.4M | $275.9M |
| Deposits / shares | $229.2M | $260.0M |
| Capital ratio | 9.59% (stronger) | 8.39% |
| Problem loans | 0.64% (stronger) | 0.98% |
| Net charge-offs | 1.81% | 1.07% (stronger) |
| Return on assets | -0.91% | -0.41% (stronger) |
| Loans ÷ deposits | 94.2% | 62.2% (stronger) |
| Uninsured deposits | 10.3% | 4.5% (stronger) |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Energy Capital Credit Union has the higher TellerScore (52 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Energy Capital Credit Union leads on 3 and Unity One Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.