Side-by-side · Q2 2026 data
Garland County Educators Federal Credit Union vs U.P. Employees Federal Credit Union
Credit union
Garland County Educators Federal Credit Union
Hot Springs, Arkansas · Under $100 million in assets
Credit union
U.P. Employees Federal Credit Union
North Little Ro, Arkansas · Under $100 million in assets
Metric by metric
| Measure | Garland County Educators Federal Credit Union | U.P. Employees Federal Credit Union |
|---|---|---|
| TellerScore | 69 (stronger) | 41 |
| Capital cushion | 100 (stronger) | 47 |
| Loan quality | 15 | 23 (stronger) |
| Earnings | 65 (stronger) | 0 |
| Funding & liquidity | 92 (stronger) | 91 |
| Problem-loan coverage | 85 (stronger) | 72 |
| Peer percentile | 38th | 3rd |
| Total assets | $5.2M | $2.6M |
| Deposits / shares | $4.3M | $2.5M |
| Capital ratio | 18.04% (stronger) | 9.65% |
| Problem loans | 2.56% | 2.32% (stronger) |
| Net charge-offs | 3.86% | 0.53% (stronger) |
| Return on assets | 1.13% (stronger) | -8.33% |
| Loans ÷ deposits | 68.0% (stronger) | 69.1% |
| Uninsured deposits | 1.9% | 0.0% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Garland County Educators Federal Credit Union has the higher TellerScore (69 vs 41). On the 7 directional measures above (where higher or lower is clearly better), Garland County Educators Federal Credit Union leads on 4 and U.P. Employees Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.