Side-by-side · Q2 2026 data
Independence Teachers Credit Union vs Missouri Central Credit Union
Credit union
Independence Teachers Credit Union
Independence, Missouri · Under $100 million in assets
Metric by metric
| Measure | Independence Teachers Credit Union | Missouri Central Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 59 |
| Capital cushion | 100 (stronger) | 43 |
| Loan quality | 99 (stronger) | 72 |
| Earnings | 60 (stronger) | 31 |
| Funding & liquidity | 100 (stronger) | 91 |
| Problem-loan coverage | 100 (stronger) | 86 |
| Peer percentile | 92nd | 19th |
| Total assets | $16.5M | $123.3M |
| Deposits / shares | $13.9M | $113.5M |
| Capital ratio | 15.52% (stronger) | 9.27% |
| Problem loans | 0.03% (stronger) | 0.85% |
| Net charge-offs | 0.45% (stronger) | 0.65% |
| Return on assets | 1.00% (stronger) | 0.29% |
| Loans ÷ deposits | 32.4% (stronger) | 69.0% |
| Uninsured deposits | 1.2% (stronger) | 5.9% |
| 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 59). On the 7 directional measures above (where higher or lower is clearly better), Independence Teachers Credit Union leads on 7 and Missouri Central 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.