Side-by-side · Q2 2026 data
Energy Credit Union vs Luso-American Credit Union
Metric by metric
| Measure | Energy Credit Union | Luso-American Credit Union |
|---|---|---|
| TellerScore | 72 | 84 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 52 | 93 (stronger) |
| Earnings | 46 (stronger) | 39 |
| Funding & liquidity | 75 | 89 (stronger) |
| Problem-loan coverage | 88 | 98 (stronger) |
| Peer percentile | 57th | 86th |
| Total assets | $128.8M | $123.0M |
| Deposits / shares | $106.5M | $102.4M |
| Capital ratio | 16.92% (stronger) | 16.21% |
| Problem loans | 1.43% | 0.22% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.05% |
| Return on assets | 0.66% (stronger) | 0.47% |
| Loans ÷ deposits | 85.5% | 71.7% (stronger) |
| Uninsured deposits | 8.0% | 7.6% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.3% | — |
Luso-American Credit Union has the higher TellerScore (84 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Energy Credit Union leads on 3 and Luso-American Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.