Side-by-side · Q2 2026 data
Morning Star Federal Credit Union vs Cooperative Employees
Metric by metric
| Measure | Morning Star Federal Credit Union | Cooperative Employees |
|---|---|---|
| TellerScore | 55 | 73 (stronger) |
| Capital cushion | 8 | 54 (stronger) |
| Loan quality | 80 | 100 (stronger) |
| Earnings | 41 | 42 (stronger) |
| Funding & liquidity | 100 (stronger) | 92 |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 15th | 47th |
| Total assets | $1.1M | $10.0M |
| Deposits / shares | $1.0M | $8.9M |
| Capital ratio | 5.78% | 10.37% (stronger) |
| Problem loans | 0.59% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.52% | 0.55% (stronger) |
| Loans ÷ deposits | 53.0% (stronger) | 67.8% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 0 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cooperative Employees has the higher TellerScore (73 vs 55). On the 5 directional measures above (where higher or lower is clearly better), Morning Star Federal Credit Union leads on 1 and Cooperative Employees on 4. 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.