Side-by-side · Q2 2026 data
M.E. Employees Credit Union vs Athens Area Credit Union
Metric by metric
| Measure | M.E. Employees Credit Union | Athens Area Credit Union |
|---|---|---|
| TellerScore | 62 | 84 (stronger) |
| Capital cushion | 48 | 84 (stronger) |
| Loan quality | 86 (stronger) | 79 |
| Earnings | 43 | 70 (stronger) |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 83 | 97 (stronger) |
| Peer percentile | 24th | 75th |
| Total assets | $19.0M | $49.9M |
| Deposits / shares | $17.1M | $42.9M |
| Capital ratio | 9.80% | 13.35% (stronger) |
| Problem loans | 0.42% (stronger) | 0.63% |
| Net charge-offs | 0.21% | 0.04% (stronger) |
| Return on assets | 0.58% | 1.25% (stronger) |
| Loans ÷ deposits | 97.4% | 40.7% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 2.8% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Athens Area Credit Union has the higher TellerScore (84 vs 62). On the 7 directional measures above (where higher or lower is clearly better), M.E. Employees Credit Union leads on 2 and Athens Area Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.