Side-by-side · Q2 2026 data
S.T.E.C. Federal Credit Union vs Nce Credit Union
Metric by metric
| Measure | S.T.E.C. Federal Credit Union | Nce Credit Union |
|---|---|---|
| TellerScore | 79 | 85 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 85 | 100 (stronger) |
| Earnings | 39 (stronger) | 26 |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 62nd | 77th |
| Total assets | $5.5M | $5.9M |
| Deposits / shares | $3.8M | $4.7M |
| Capital ratio | 30.91% (stronger) | 20.81% |
| Problem loans | 0.44% | 0.00% (stronger) |
| Net charge-offs | 0.09% (stronger) | 1.33% |
| Return on assets | 0.48% (stronger) | 0.14% |
| Loans ÷ deposits | 93.6% | 52.0% (stronger) |
| Uninsured deposits | 6.2% (stronger) | 6.6% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Nce Credit Union has the higher TellerScore (85 vs 79). On the 7 directional measures above (where higher or lower is clearly better), S.T.E.C. Federal Credit Union leads on 4 and Nce Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.