Side-by-side · Q2 2026 data
Howard County School Em Federal Credit Union vs Jackson County Co-Op Credit Union
Credit union
Howard County School Em Federal Credit Union
Kokomo, Indiana · Under $100 million in assets
Credit union
Jackson County Co-Op Credit Union
Seymour, Indiana · Under $100 million in assets
Metric by metric
| Measure | Howard County School Em Federal Credit Union | Jackson County Co-Op Credit Union |
|---|---|---|
| TellerScore | 73 | 92 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 50 | 100 (stronger) |
| Earnings | 30 | 77 (stronger) |
| Funding & liquidity | 100 (stronger) | 77 |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 47th | 92nd |
| Total assets | $31.4M | $31.3M |
| Deposits / shares | $25.6M | $25.5M |
| Capital ratio | 18.07% | 18.39% (stronger) |
| Problem loans | 1.51% | 0.00% (stronger) |
| Net charge-offs | 0.26% | 0.00% (stronger) |
| Return on assets | 0.24% | 1.43% (stronger) |
| Loans ÷ deposits | 30.1% (stronger) | 82.8% |
| Uninsured deposits | 11.8% | 0.0% (stronger) |
| Offices | 0 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Jackson County Co-Op Credit Union has the higher TellerScore (92 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Howard County School Em Federal Credit Union leads on 1 and Jackson County Co-Op Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.