Side-by-side · Q2 2026 data
Riverland Federal Credit Union vs Essential Credit Union
Metric by metric
| Measure | Riverland Federal Credit Union | Essential Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 50 |
| Capital cushion | 100 (stronger) | 41 |
| Loan quality | 82 (stronger) | 52 |
| Earnings | 48 (stronger) | 38 |
| Funding & liquidity | 57 | 64 (stronger) |
| Problem-loan coverage | 94 (stronger) | 72 |
| Peer percentile | 74th | 6th |
| Total assets | $319.7M | $434.2M |
| Deposits / shares | $248.1M | $362.4M |
| Capital ratio | 15.84% (stronger) | 9.06% |
| Problem loans | 0.55% (stronger) | 1.45% |
| Net charge-offs | 0.66% (stronger) | 0.93% |
| Return on assets | 0.70% (stronger) | 0.46% |
| Loans ÷ deposits | 103.0% | 96.4% (stronger) |
| Uninsured deposits | 6.0% | 5.9% (stronger) |
| Offices | 8 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.7% | — |
Riverland Federal Credit Union has the higher TellerScore (78 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Riverland Federal Credit Union leads on 5 and Essential Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.