Side-by-side · Q2 2026 data
Kinecta Federal Credit Union vs Educational Employees Credit Union
Credit union
Kinecta Federal Credit Union
Manhattan Beach, California · $1 billion – $10 billion
Credit union
Educational Employees Credit Union
Fresno, California · $1 billion – $10 billion
Metric by metric
| Measure | Kinecta Federal Credit Union | Educational Employees Credit Union |
|---|---|---|
| TellerScore | 58 | 96 (stronger) |
| Capital cushion | 37 | 96 (stronger) |
| Loan quality | 85 | 93 (stronger) |
| Earnings | 33 | 94 (stronger) |
| Funding & liquidity | 66 | 100 (stronger) |
| Problem-loan coverage | 91 | 99 (stronger) |
| Peer percentile | 19th | 100th |
| Total assets | $6.8B | $5.4B |
| Deposits / shares | $5.7B | $4.6B |
| Capital ratio | 8.68% | 14.58% (stronger) |
| Problem loans | 0.46% | 0.20% (stronger) |
| Net charge-offs | 0.50% | 0.48% (stronger) |
| Return on assets | 0.33% | 1.84% (stronger) |
| Loans ÷ deposits | 94.6% | 50.2% (stronger) |
| Uninsured deposits | 8.8% | 3.9% (stronger) |
| Offices | 15 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 52.0% |
Educational Employees Credit Union has the higher TellerScore (96 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Kinecta Federal Credit Union leads on 0 and Educational Employees Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.