Side-by-side · Q2 2026 data
Memorial Credit Union vs Gallatin Steam Plant Credit Union
Credit union
Gallatin Steam Plant Credit Union
Gallatin, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Memorial Credit Union | Gallatin Steam Plant Credit Union |
|---|---|---|
| TellerScore | 67 (stronger) | 65 |
| Capital cushion | 88 | 100 (stronger) |
| Loan quality | 60 (stronger) | 15 |
| Earnings | 5 | 44 (stronger) |
| Funding & liquidity | 100 (stronger) | 93 |
| Problem-loan coverage | 92 (stronger) | 84 |
| Peer percentile | 34th | 30th |
| Total assets | $7.1M | $8.1M |
| Deposits / shares | $6.1M | $6.7M |
| Capital ratio | 13.75% | 16.96% (stronger) |
| Problem loans | 1.20% (stronger) | 2.55% |
| Net charge-offs | 0.31% (stronger) | 0.61% |
| Return on assets | -0.38% | 0.59% (stronger) |
| Loans ÷ deposits | 54.1% (stronger) | 67.4% |
| Uninsured deposits | 5.2% | 1.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Memorial Credit Union has the higher TellerScore (67 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Memorial Credit Union leads on 4 and Gallatin Steam Plant Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.