Side-by-side · Q2 2026 data
Skel-Tex Credit Union vs Education Credit Union
Metric by metric
| Measure | Skel-Tex Credit Union | Education Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 70 |
| Capital cushion | 100 (stronger) | 76 |
| Loan quality | 79 | 79 |
| Earnings | 42 (stronger) | 41 |
| Funding & liquidity | 100 (stronger) | 66 |
| Problem-loan coverage | 97 (stronger) | 90 |
| Peer percentile | 72nd | 51st |
| Total assets | $6.2M | $469.2M |
| Deposits / shares | $4.8M | $404.3M |
| Capital ratio | 21.47% (stronger) | 12.63% |
| Problem loans | 0.64% (stronger) | 0.64% |
| Net charge-offs | 0.00% (stronger) | 0.88% |
| Return on assets | 0.54% (stronger) | 0.53% |
| Loans ÷ deposits | 54.7% (stronger) | 94.6% |
| Uninsured deposits | 0.0% (stronger) | 5.5% |
| Offices | 3 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.8% |
Skel-Tex Credit Union has the higher TellerScore (83 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Skel-Tex Credit Union leads on 7 and Education Credit Union on 0. 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.