Side-by-side · Q2 2026 data
M O Federal Credit Union vs East River Federal Credit Union
Credit union
East River Federal Credit Union
Madison, South Dakota · Under $100 million in assets
Metric by metric
| Measure | M O Federal Credit Union | East River Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 71 |
| Capital cushion | 91 (stronger) | 61 |
| Loan quality | 90 (stronger) | 60 |
| Earnings | 67 (stronger) | 66 |
| Funding & liquidity | 98 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 92 |
| Peer percentile | 85th | 42nd |
| Total assets | $40.9M | $41.9M |
| Deposits / shares | $34.8M | $37.1M |
| Capital ratio | 14.12% (stronger) | 11.12% |
| Problem loans | 0.30% (stronger) | 1.19% |
| Net charge-offs | 0.41% (stronger) | 0.48% |
| Return on assets | 1.17% (stronger) | 1.16% |
| Loans ÷ deposits | 62.5% | 42.6% (stronger) |
| Uninsured deposits | 1.3% | 0.8% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
M O Federal Credit Union has the higher TellerScore (88 vs 71). On the 7 directional measures above (where higher or lower is clearly better), M O Federal Credit Union leads on 5 and East River Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.