Side-by-side · Q2 2026 data
Patriot Credit Union vs Academic Employees Credit Union
Credit union
Academic Employees Credit Union
Columbia, Missouri · Under $100 million in assets
Metric by metric
| Measure | Patriot Credit Union | Academic Employees Credit Union |
|---|---|---|
| TellerScore | 59 | 64 (stronger) |
| Capital cushion | 34 (stronger) | 25 |
| Loan quality | 77 (stronger) | 70 |
| Earnings | 47 | 74 (stronger) |
| Funding & liquidity | 76 | 100 (stronger) |
| Problem-loan coverage | 87 | 88 (stronger) |
| Peer percentile | 20th | 28th |
| Total assets | $16.4M | $17.2M |
| Deposits / shares | $15.0M | $15.8M |
| Capital ratio | 8.36% (stronger) | 7.45% |
| Problem loans | 0.69% (stronger) | 0.90% |
| Net charge-offs | 0.00% (stronger) | 0.61% |
| Return on assets | 0.68% | 1.35% (stronger) |
| Loans ÷ deposits | 84.5% | 54.2% (stronger) |
| Uninsured deposits | 2.6% | 0.7% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Academic Employees Credit Union has the higher TellerScore (64 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Patriot Credit Union leads on 3 and Academic Employees Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.