Side-by-side · Q2 2026 data
Nesc Federal Credit Union vs Energy Credit Union
Metric by metric
| Measure | Nesc Federal Credit Union | Energy Credit Union |
|---|---|---|
| TellerScore | 64 | 72 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 70 (stronger) | 52 |
| Earnings | 42 | 46 (stronger) |
| Funding & liquidity | 82 (stronger) | 75 |
| Problem-loan coverage | 88 | 88 |
| Peer percentile | 31st | 57th |
| Total assets | $125.9M | $128.8M |
| Deposits / shares | $112.1M | $106.5M |
| Capital ratio | 10.61% | 16.92% (stronger) |
| Problem loans | 0.91% (stronger) | 1.43% |
| Net charge-offs | 0.08% | -0.00% (stronger) |
| Return on assets | 0.55% | 0.66% (stronger) |
| Loans ÷ deposits | 78.6% (stronger) | 85.5% |
| Uninsured deposits | 6.6% (stronger) | 8.0% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 16.3% |
Energy Credit Union has the higher TellerScore (72 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Nesc Federal Credit Union leads on 3 and Energy Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.