Side-by-side · Q2 2026 data
Foundation Credit Union vs Educational Community Credit Union
Credit union
Educational Community Credit Union
Springfield, Missouri · Under $100 million in assets
Metric by metric
| Measure | Foundation Credit Union | Educational Community Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 65 |
| Capital cushion | 93 (stronger) | 48 |
| Loan quality | 89 (stronger) | 71 |
| Earnings | 43 | 43 |
| Funding & liquidity | 70 | 99 (stronger) |
| Problem-loan coverage | 97 (stronger) | 90 |
| Peer percentile | 62nd | 30th |
| Total assets | $76.6M | $77.7M |
| Deposits / shares | $64.5M | $69.5M |
| Capital ratio | 14.31% (stronger) | 9.82% |
| Problem loans | 0.33% (stronger) | 0.86% |
| Net charge-offs | 0.27% (stronger) | 0.62% |
| Return on assets | 0.59% (stronger) | 0.58% |
| Loans ÷ deposits | 89.8% | 61.6% (stronger) |
| Uninsured deposits | 7.8% | 3.3% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Foundation Credit Union has the higher TellerScore (79 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Foundation Credit Union leads on 5 and Educational Community Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.