Side-by-side · Q2 2026 data
Independence Teachers Credit Union vs Reliance Credit Union
Credit union
Independence Teachers Credit Union
Independence, Missouri · Under $100 million in assets
Metric by metric
| Measure | Independence Teachers Credit Union | Reliance Credit Union |
|---|---|---|
| TellerScore | 92 | 93 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 99 (stronger) | 90 |
| Earnings | 60 | 80 (stronger) |
| Funding & liquidity | 100 (stronger) | 97 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 92nd | 94th |
| Total assets | $16.5M | $25.1M |
| Deposits / shares | $13.9M | $20.9M |
| Capital ratio | 15.52% | 16.44% (stronger) |
| Problem loans | 0.03% (stronger) | 0.30% |
| Net charge-offs | 0.45% | 0.41% (stronger) |
| Return on assets | 1.00% | 1.50% (stronger) |
| Loans ÷ deposits | 32.4% (stronger) | 63.6% |
| Uninsured deposits | 1.2% | 0.0% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Reliance Credit Union has the higher TellerScore (93 vs 92). On the 7 directional measures above (where higher or lower is clearly better), Independence Teachers Credit Union leads on 2 and Reliance Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.