Side-by-side · Q2 2026 data
Ila 1351 Federal Credit Union vs Energy Capital Credit Union
Metric by metric
| Measure | Ila 1351 Federal Credit Union | Energy Capital Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 52 |
| Capital cushion | 100 (stronger) | 46 |
| Loan quality | 100 (stronger) | 79 |
| Earnings | 68 (stronger) | 0 |
| Funding & liquidity | 92 (stronger) | 66 |
| Problem-loan coverage | 100 (stronger) | 89 |
| Peer percentile | 92nd | 8th |
| Total assets | $17.3M | $261.4M |
| Deposits / shares | $14.1M | $229.2M |
| Capital ratio | 17.01% (stronger) | 9.59% |
| Problem loans | 0.00% (stronger) | 0.64% |
| Net charge-offs | 0.00% (stronger) | 1.81% |
| Return on assets | 1.20% (stronger) | -0.91% |
| Loans ÷ deposits | 68.4% (stronger) | 94.2% |
| Uninsured deposits | 8.3% (stronger) | 10.3% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ila 1351 Federal Credit Union has the higher TellerScore (92 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Ila 1351 Federal Credit Union leads on 7 and Energy Capital Credit Union on 0. 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.