Side-by-side · Q2 2026 data
K.C. Area Credit Union vs St. Joseph Teachers' Credit Union
Credit union
St. Joseph Teachers' Credit Union
Saint Joseph, Missouri · Under $100 million in assets
Metric by metric
| Measure | K.C. Area Credit Union | St. Joseph Teachers' Credit Union |
|---|---|---|
| TellerScore | 76 | 78 (stronger) |
| Capital cushion | 100 (stronger) | 59 |
| Loan quality | 64 | 90 (stronger) |
| Earnings | 29 | 64 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 54th | 59th |
| Total assets | $11.4M | $8.7M |
| Deposits / shares | $9.4M | $8.0M |
| Capital ratio | 17.20% (stronger) | 10.90% |
| Problem loans | 1.09% | 0.29% (stronger) |
| Net charge-offs | 2.04% | 0.00% (stronger) |
| Return on assets | 0.22% | 1.11% (stronger) |
| Loans ÷ deposits | 42.1% | 34.5% (stronger) |
| Uninsured deposits | 0.3% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. Joseph Teachers' Credit Union has the higher TellerScore (78 vs 76). On the 7 directional measures above (where higher or lower is clearly better), K.C. Area Credit Union leads on 1 and St. Joseph Teachers' Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.