Side-by-side · Q2 2026 data
Express Credit Union vs Our Community Credit Union
Metric by metric
| Measure | Express Credit Union | Our Community Credit Union |
|---|---|---|
| TellerScore | 53 | 82 (stronger) |
| Capital cushion | 80 (stronger) | 77 |
| Loan quality | 35 | 84 (stronger) |
| Earnings | 0 | 66 (stronger) |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 79 | 97 (stronger) |
| Peer percentile | 12th | 82nd |
| Total assets | $22.6M | $638.3M |
| Deposits / shares | $19.4M | $551.8M |
| Capital ratio | 13.00% (stronger) | 12.67% |
| Problem loans | 1.95% | 0.48% (stronger) |
| Net charge-offs | 1.03% | 0.70% (stronger) |
| Return on assets | -3.99% | 1.16% (stronger) |
| Loans ÷ deposits | 80.0% | 40.7% (stronger) |
| Uninsured deposits | 6.0% (stronger) | 6.0% |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Our Community Credit Union has the higher TellerScore (82 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Express Credit Union leads on 2 and Our Community Credit Union on 5. 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.