Side-by-side · Q2 2026 data
Independence Teachers Credit Union vs Patriot Credit Union
Credit union
Independence Teachers Credit Union
Independence, Missouri · Under $100 million in assets
Metric by metric
| Measure | Independence Teachers Credit Union | Patriot Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 59 |
| Capital cushion | 100 (stronger) | 34 |
| Loan quality | 99 (stronger) | 77 |
| Earnings | 60 (stronger) | 47 |
| Funding & liquidity | 100 (stronger) | 76 |
| Problem-loan coverage | 100 (stronger) | 87 |
| Peer percentile | 92nd | 20th |
| Total assets | $16.5M | $16.4M |
| Deposits / shares | $13.9M | $15.0M |
| Capital ratio | 15.52% (stronger) | 8.36% |
| Problem loans | 0.03% (stronger) | 0.69% |
| Net charge-offs | 0.45% | 0.00% (stronger) |
| Return on assets | 1.00% (stronger) | 0.68% |
| Loans ÷ deposits | 32.4% (stronger) | 84.5% |
| Uninsured deposits | 1.2% (stronger) | 2.6% |
| 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 6 and Patriot Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.