Side-by-side · Q2 2026 data
McLennan County Employees Federal Credit Union vs Educators Credit Union
Credit union
McLennan County Employees Federal Credit Union
Waco, Texas · Under $100 million in assets
Metric by metric
| Measure | McLennan County Employees Federal Credit Union | Educators Credit Union |
|---|---|---|
| TellerScore | 85 | 99 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 99 (stronger) | 94 |
| Earnings | 26 | 100 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 77th | 100th |
| Total assets | $21.6M | $609.5M |
| Deposits / shares | $15.9M | $484.8M |
| Capital ratio | 25.62% (stronger) | 20.32% |
| Problem loans | 0.02% (stronger) | 0.17% |
| Net charge-offs | 0.22% | 0.03% (stronger) |
| Return on assets | 0.16% | 2.30% (stronger) |
| Loans ÷ deposits | 41.3% | 28.4% (stronger) |
| Uninsured deposits | 1.9% (stronger) | 7.9% |
| Offices | 2 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Educators Credit Union has the higher TellerScore (99 vs 85). On the 7 directional measures above (where higher or lower is clearly better), McLennan County Employees Federal Credit Union leads on 3 and Educators Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.