Side-by-side · Q2 2026 data
Extra Credit Union vs Preferred Credit Union
Metric by metric
| Measure | Extra Credit Union | Preferred Credit Union |
|---|---|---|
| TellerScore | 79 | 87 (stronger) |
| Capital cushion | 100 (stronger) | 93 |
| Loan quality | 48 | 88 (stronger) |
| Earnings | 67 (stronger) | 64 |
| Funding & liquidity | 96 | 100 (stronger) |
| Problem-loan coverage | 90 | 97 (stronger) |
| Peer percentile | 76th | 91st |
| Total assets | $345.4M | $318.1M |
| Deposits / shares | $285.1M | $270.6M |
| Capital ratio | 17.51% (stronger) | 14.25% |
| Problem loans | 1.56% | 0.37% (stronger) |
| Net charge-offs | 1.76% | 0.47% (stronger) |
| Return on assets | 1.16% (stronger) | 1.11% |
| Loans ÷ deposits | 64.4% | 58.2% (stronger) |
| Uninsured deposits | 6.4% | 3.1% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.6% |
Preferred Credit Union has the higher TellerScore (87 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Extra Credit Union leads on 2 and Preferred Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.