Side-by-side · Q2 2026 data
Independence Teachers Credit Union vs Academic Employees Credit Union
Credit union
Independence Teachers Credit Union
Independence, Missouri · Under $100 million in assets
Credit union
Academic Employees Credit Union
Columbia, Missouri · Under $100 million in assets
Metric by metric
| Measure | Independence Teachers Credit Union | Academic Employees Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 64 |
| Capital cushion | 100 (stronger) | 25 |
| Loan quality | 99 (stronger) | 70 |
| Earnings | 60 | 74 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 88 |
| Peer percentile | 92nd | 28th |
| Total assets | $16.5M | $17.2M |
| Deposits / shares | $13.9M | $15.8M |
| Capital ratio | 15.52% (stronger) | 7.45% |
| Problem loans | 0.03% (stronger) | 0.90% |
| Net charge-offs | 0.45% (stronger) | 0.61% |
| Return on assets | 1.00% | 1.35% (stronger) |
| Loans ÷ deposits | 32.4% (stronger) | 54.2% |
| Uninsured deposits | 1.2% | 0.7% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Independence Teachers Credit Union has the higher TellerScore (92 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Independence Teachers Credit Union leads on 5 and Academic Employees Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.