Side-by-side · Q2 2026 data
Rivertrust Federal Credit Union vs Ecm Federal Credit Union
Credit union
Ecm Federal Credit Union
Ridgeland, Mississippi · Under $100 million in assets
Metric by metric
| Measure | Rivertrust Federal Credit Union | Ecm Federal Credit Union |
|---|---|---|
| TellerScore | 84 | 87 (stronger) |
| Capital cushion | 100 (stronger) | 99 |
| Loan quality | 80 (stronger) | 78 |
| Earnings | 48 | 69 (stronger) |
| Funding & liquidity | 100 (stronger) | 98 |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 86th | 83rd |
| Total assets | $167.8M | $28.9M |
| Deposits / shares | $141.4M | $24.4M |
| Capital ratio | 19.27% (stronger) | 14.87% |
| Problem loans | 0.60% (stronger) | 0.66% |
| Net charge-offs | 0.88% | 0.01% (stronger) |
| Return on assets | 0.70% | 1.22% (stronger) |
| Loans ÷ deposits | 60.1% (stronger) | 62.1% |
| Uninsured deposits | 3.1% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Ecm Federal Credit Union has the higher TellerScore (87 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Rivertrust Federal Credit Union leads on 3 and Ecm Federal Credit Union on 4. 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.