Side-by-side · Q2 2026 data
Patriot Equity Credit Union vs Koin Credit Union
Credit union
Patriot Equity Credit Union
Jackson, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Patriot Equity Credit Union | Koin Credit Union |
|---|---|---|
| TellerScore | 44 | 64 (stronger) |
| Capital cushion | 58 (stronger) | 42 |
| Loan quality | 3 | 78 (stronger) |
| Earnings | 21 | 44 (stronger) |
| Funding & liquidity | 100 (stronger) | 95 |
| Problem-loan coverage | 71 | 91 (stronger) |
| Peer percentile | 4th | 28th |
| Total assets | $33.0M | $34.9M |
| Deposits / shares | $29.3M | $31.6M |
| Capital ratio | 10.76% (stronger) | 9.17% |
| Problem loans | 2.92% | 0.66% (stronger) |
| Net charge-offs | 1.76% | 0.35% (stronger) |
| Return on assets | 0.04% | 0.59% (stronger) |
| Loans ÷ deposits | 59.8% (stronger) | 65.1% |
| Uninsured deposits | 10.2% | 9.3% (stronger) |
| Offices | 0 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Koin Credit Union has the higher TellerScore (64 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Patriot Equity Credit Union leads on 2 and Koin Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.