Side-by-side · Q2 2026 data
Members Cooperative vs Duluth Police Department Employees Credit Union
Credit union
Duluth Police Department Employees Credit Union
Duluth, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Members Cooperative | Duluth Police Department Employees Credit Union |
|---|---|---|
| TellerScore | 59 | 91 (stronger) |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 50 | 86 (stronger) |
| Earnings | 62 | 80 (stronger) |
| Funding & liquidity | 62 | 93 (stronger) |
| Problem-loan coverage | 75 | 98 (stronger) |
| Peer percentile | 22nd | 90th |
| Total assets | $1.2B | $7.8M |
| Deposits / shares | $968.7M | $6.0M |
| Capital ratio | 10.80% | 22.84% (stronger) |
| Problem loans | 1.49% | 0.41% (stronger) |
| Net charge-offs | 0.39% | 0.00% (stronger) |
| Return on assets | 1.06% | 1.49% (stronger) |
| Loans ÷ deposits | 97.8% | 67.5% (stronger) |
| Uninsured deposits | 8.3% | 0.0% (stronger) |
| Offices | 12 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Duluth Police Department Employees Credit Union has the higher TellerScore (91 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Members Cooperative leads on 0 and Duluth Police Department Employees Credit Union on 7. 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.