Side-by-side · Q2 2026 data
Morning Star Federal Credit Union vs Teachers Credit Union
Metric by metric
| Measure | Morning Star Federal Credit Union | Teachers Credit Union |
|---|---|---|
| TellerScore | 55 | 76 (stronger) |
| Capital cushion | 8 | 100 (stronger) |
| Loan quality | 80 | 89 (stronger) |
| Earnings | 41 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 98 |
| Problem-loan coverage | 91 | 93 (stronger) |
| Peer percentile | 15th | 54th |
| Total assets | $1.1M | $6.3M |
| Deposits / shares | $1.0M | $4.4M |
| Capital ratio | 5.78% | 31.52% (stronger) |
| Problem loans | 0.59% | 0.34% (stronger) |
| Net charge-offs | 0.00% (stronger) | 4.25% |
| Return on assets | 0.52% (stronger) | -1.45% |
| Loans ÷ deposits | 53.0% (stronger) | 62.1% |
| Uninsured deposits | 0.0% (stronger) | 1.2% |
| Offices | 0 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Teachers Credit Union has the higher TellerScore (76 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Morning Star Federal Credit Union leads on 4 and Teachers Credit Union on 3. 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.