Side-by-side · Q2 2026 data
First Neshoba Federal Credit Union vs Ecm Federal Credit Union
Credit union
First Neshoba Federal Credit Union
Philadelphia, Mississippi · Under $100 million in assets
Credit union
Ecm Federal Credit Union
Ridgeland, Mississippi · Under $100 million in assets
Metric by metric
| Measure | First Neshoba Federal Credit Union | Ecm Federal Credit Union |
|---|---|---|
| TellerScore | 81 | 87 (stronger) |
| Capital cushion | 82 | 99 (stronger) |
| Loan quality | 70 | 78 (stronger) |
| Earnings | 72 (stronger) | 69 |
| Funding & liquidity | 100 (stronger) | 98 |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 68th | 83rd |
| Total assets | $24.6M | $28.9M |
| Deposits / shares | $21.1M | $24.4M |
| Capital ratio | 13.24% | 14.87% (stronger) |
| Problem loans | 0.91% | 0.66% (stronger) |
| Net charge-offs | 0.52% | 0.01% (stronger) |
| Return on assets | 1.30% (stronger) | 1.22% |
| Loans ÷ deposits | 42.2% (stronger) | 62.1% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ecm Federal Credit Union has the higher TellerScore (87 vs 81). On the 6 directional measures above (where higher or lower is clearly better), First Neshoba Federal Credit Union leads on 2 and Ecm Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.