Side-by-side · Q2 2026 data
Members Cooperative vs Ideal Credit Union
Metric by metric
| Measure | Members Cooperative | Ideal Credit Union |
|---|---|---|
| TellerScore | 59 | 62 (stronger) |
| Capital cushion | 58 | 58 |
| Loan quality | 50 | 74 (stronger) |
| Earnings | 62 (stronger) | 42 |
| Funding & liquidity | 62 (stronger) | 61 |
| Problem-loan coverage | 75 | 87 (stronger) |
| Peer percentile | 22nd | 30th |
| Total assets | $1.2B | $1.1B |
| Deposits / shares | $968.7M | $894.8M |
| Capital ratio | 10.80% | 10.82% (stronger) |
| Problem loans | 1.49% | 0.79% (stronger) |
| Net charge-offs | 0.39% (stronger) | 0.60% |
| Return on assets | 1.06% (stronger) | 0.56% |
| Loans ÷ deposits | 97.8% (stronger) | 99.5% |
| Uninsured deposits | 8.3% | 3.9% (stronger) |
| Offices | 12 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.4% |
Ideal Credit Union has the higher TellerScore (62 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Members Cooperative leads on 3 and Ideal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.