Side-by-side · Q2 2026 data
First Federal Credit Union vs Employees Credit Union
Metric by metric
| Measure | First Federal Credit Union | Employees Credit Union |
|---|---|---|
| TellerScore | 43 | 70 (stronger) |
| Capital cushion | 23 | 100 (stronger) |
| Loan quality | 71 (stronger) | 0 |
| Earnings | 1 | 84 (stronger) |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 81 | 85 (stronger) |
| Peer percentile | 2nd | 51st |
| Total assets | $174.5M | $203.4M |
| Deposits / shares | $152.0M | $164.1M |
| Capital ratio | 7.29% | 18.96% (stronger) |
| Problem loans | 0.88% (stronger) | 3.25% |
| Net charge-offs | 0.41% | 0.25% (stronger) |
| Return on assets | -0.48% | 1.61% (stronger) |
| Loans ÷ deposits | 90.5% | 53.5% (stronger) |
| Uninsured deposits | 4.0% (stronger) | 11.4% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Employees Credit Union has the higher TellerScore (70 vs 43). On the 7 directional measures above (where higher or lower is clearly better), First Federal Credit Union leads on 2 and Employees Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.