Side-by-side · Q2 2026 data
Garden City Teachers Federal Credit Union vs Co-Operative Credit Union
Credit union
Garden City Teachers Federal Credit Union
Garden City, Kansas · Under $100 million in assets
Metric by metric
| Measure | Garden City Teachers Federal Credit Union | Co-Operative Credit Union |
|---|---|---|
| TellerScore | 61 | 77 (stronger) |
| Capital cushion | 33 | 86 (stronger) |
| Loan quality | 78 (stronger) | 56 |
| Earnings | 40 | 67 (stronger) |
| Funding & liquidity | 96 | 100 (stronger) |
| Problem-loan coverage | 90 | 91 (stronger) |
| Peer percentile | 23rd | 57th |
| Total assets | $15.7M | $21.2M |
| Deposits / shares | $14.4M | $18.3M |
| Capital ratio | 8.28% | 13.61% (stronger) |
| Problem loans | 0.67% (stronger) | 1.31% |
| Net charge-offs | 0.59% | 0.14% (stronger) |
| Return on assets | 0.50% | 1.19% (stronger) |
| Loans ÷ deposits | 64.7% | 56.2% (stronger) |
| Uninsured deposits | 6.3% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Co-Operative Credit Union has the higher TellerScore (77 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Garden City Teachers Federal Credit Union leads on 1 and Co-Operative Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.