Side-by-side · Q2 2026 data
Kc Unidos Federal Credit Union vs St. Joseph Teachers' Credit Union
Credit union
Kc Unidos Federal Credit Union
Kansas City, Missouri · Under $100 million in assets
Credit union
St. Joseph Teachers' Credit Union
Saint Joseph, Missouri · Under $100 million in assets
Metric by metric
| Measure | Kc Unidos Federal Credit Union | St. Joseph Teachers' Credit Union |
|---|---|---|
| TellerScore | 74 | 78 (stronger) |
| Capital cushion | 100 (stronger) | 59 |
| Loan quality | 78 | 90 (stronger) |
| Earnings | 36 | 64 (stronger) |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 49th | 59th |
| Total assets | $8.5M | $8.7M |
| Deposits / shares | $5.9M | $8.0M |
| Capital ratio | 29.21% (stronger) | 10.90% |
| Problem loans | 0.65% | 0.29% (stronger) |
| Net charge-offs | 0.51% | 0.00% (stronger) |
| Return on assets | 0.39% | 1.11% (stronger) |
| Loans ÷ deposits | 113.4% | 34.5% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| 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 74). On the 6 directional measures above (where higher or lower is clearly better), Kc Unidos Federal Credit Union leads on 1 and St. Joseph Teachers' Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.