Side-by-side · Q2 2026 data
Members Financial Federal Credit Union vs Odessa Employees Credit Union
Credit union
Members Financial Federal Credit Union
Midland, Texas · Under $100 million in assets
Metric by metric
| Measure | Members Financial Federal Credit Union | Odessa Employees Credit Union |
|---|---|---|
| TellerScore | 64 | 89 (stronger) |
| Capital cushion | 38 | 100 (stronger) |
| Loan quality | 95 | 100 (stronger) |
| Earnings | 19 | 46 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 28th | 87th |
| Total assets | $38.6M | $21.0M |
| Deposits / shares | $34.9M | $17.5M |
| Capital ratio | 8.77% | 16.15% (stronger) |
| Problem loans | 0.16% | 0.00% (stronger) |
| Net charge-offs | 0.29% | -0.00% (stronger) |
| Return on assets | -0.02% | 0.65% (stronger) |
| Loans ÷ deposits | 59.4% (stronger) | 60.7% |
| Uninsured deposits | 8.6% | 0.0% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Odessa Employees Credit Union has the higher TellerScore (89 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Members Financial Federal Credit Union leads on 1 and Odessa Employees Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.