Side-by-side · Q2 2026 data
Mission City Federal Credit Union vs E-Central Credit Union
Credit union
Mission City Federal Credit Union
Santa Clara, California · $100 million – $1 billion
Metric by metric
| Measure | Mission City Federal Credit Union | E-Central Credit Union |
|---|---|---|
| TellerScore | 62 | 78 (stronger) |
| Capital cushion | 33 | 100 (stronger) |
| Loan quality | 94 (stronger) | 74 |
| Earnings | 42 | 49 (stronger) |
| Funding & liquidity | 72 | 76 (stronger) |
| Problem-loan coverage | 97 (stronger) | 83 |
| Peer percentile | 26th | 74th |
| Total assets | $171.7M | $173.5M |
| Deposits / shares | $139.1M | $130.7M |
| Capital ratio | 8.29% | 23.41% (stronger) |
| Problem loans | 0.17% (stronger) | 0.77% |
| Net charge-offs | 0.38% | 0.21% (stronger) |
| Return on assets | 0.56% | 0.72% (stronger) |
| Loans ÷ deposits | 88.0% | 84.6% (stronger) |
| Uninsured deposits | 15.2% | 6.9% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
E-Central Credit Union has the higher TellerScore (78 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Mission City Federal Credit Union leads on 1 and E-Central Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.