Side-by-side · Q2 2026 data
Lion'S Share Federal Credit Union vs Electel Cooperative
Credit union
Lion'S Share Federal Credit Union
Salisbury, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Lion'S Share Federal Credit Union | Electel Cooperative |
|---|---|---|
| TellerScore | 32 | 72 (stronger) |
| Capital cushion | 0 | 77 (stronger) |
| Loan quality | 58 | 88 (stronger) |
| Earnings | 13 | 20 (stronger) |
| Funding & liquidity | 75 | 90 (stronger) |
| Problem-loan coverage | 32 | 96 (stronger) |
| Peer percentile | 1st | 44th |
| Total assets | $64.7M | $68.2M |
| Deposits / shares | $62.2M | $59.9M |
| Capital ratio | 3.23% | 12.67% (stronger) |
| Problem loans | 1.26% | 0.37% (stronger) |
| Net charge-offs | 2.04% | 0.35% (stronger) |
| Return on assets | -0.17% | 0.01% (stronger) |
| Loans ÷ deposits | 85.6% | 70.6% (stronger) |
| Uninsured deposits | 11.4% | 7.6% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Electel Cooperative has the higher TellerScore (72 vs 32). On the 7 directional measures above (where higher or lower is clearly better), Lion'S Share Federal Credit Union leads on 0 and Electel Cooperative on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.