Side-by-side · Q2 2026 data
First Secure State Bank vs Educators Credit Union
Metric by metric
| Measure | First Secure State Bank | Educators Credit Union |
|---|---|---|
| TellerScore | 68 | 81 (stronger) |
| Capital cushion | 80 | 89 (stronger) |
| Loan quality | 56 | 68 (stronger) |
| Earnings | 46 | 76 (stronger) |
| Funding & liquidity | 81 | 84 (stronger) |
| Problem-loan coverage | 87 | 91 (stronger) |
| Peer percentile | 37th | 89th |
| Total assets | $305.6M | $4.0B |
| Deposits / shares | $249.3M | $3.3B |
| Capital ratio | 13.03% | 13.92% (stronger) |
| Problem loans | 1.31% | 0.97% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.42% |
| Return on assets | 0.64% | 1.39% (stronger) |
| Loans ÷ deposits | 79.7% | 76.6% (stronger) |
| Uninsured deposits | 11.0% | 1.3% (stronger) |
| Offices | 6 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Educators Credit Union has the higher TellerScore (81 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First Secure State Bank leads on 1 and Educators Credit Union on 6. 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.