Side-by-side · Q2 2026 data
First Pace Credit Union vs Austin City Employees Credit Union
Credit union
Austin City Employees Credit Union
Austin, Minnesota · Under $100 million in assets
Metric by metric
| Measure | First Pace Credit Union | Austin City Employees Credit Union |
|---|---|---|
| TellerScore | 75 | 97 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 92 | 100 (stronger) |
| Earnings | 0 | 94 (stronger) |
| Funding & liquidity | 84 | 89 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 52nd | 98th |
| Total assets | $8.7M | $11.6M |
| Deposits / shares | $7.0M | $9.3M |
| Capital ratio | 18.92% | 19.09% (stronger) |
| Problem loans | 0.25% | 0.00% (stronger) |
| Net charge-offs | 0.16% | 0.00% (stronger) |
| Return on assets | -0.84% | 1.86% (stronger) |
| Loans ÷ deposits | 76.6% | 71.5% (stronger) |
| Uninsured deposits | 2.5% (stronger) | 2.9% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Austin City Employees Credit Union has the higher TellerScore (97 vs 75). On the 7 directional measures above (where higher or lower is clearly better), First Pace Credit Union leads on 1 and Austin City Employees Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.