Side-by-side · Q2 2026 data
Goetz Credit Union vs St. Joseph Teachers' Credit Union
Credit union
St. Joseph Teachers' Credit Union
Saint Joseph, Missouri · Under $100 million in assets
Metric by metric
| Measure | Goetz Credit Union | St. Joseph Teachers' Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 78 |
| Capital cushion | 100 (stronger) | 59 |
| Loan quality | 83 | 90 (stronger) |
| Earnings | 58 | 64 (stronger) |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 77th | 59th |
| Total assets | $89.6M | $8.7M |
| Deposits / shares | $75.4M | $8.0M |
| Capital ratio | 15.71% (stronger) | 10.90% |
| Problem loans | 0.50% | 0.29% (stronger) |
| Net charge-offs | 0.27% | 0.00% (stronger) |
| Return on assets | 0.95% | 1.11% (stronger) |
| Loans ÷ deposits | 70.5% | 34.5% (stronger) |
| Uninsured deposits | 0.5% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Goetz Credit Union has the higher TellerScore (85 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Goetz Credit Union leads on 2 and St. Joseph Teachers' Credit Union on 5. 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.