Side-by-side · Q2 2026 data
Smartchoice Credit Union vs Mea Credit Union
Metric by metric
| Measure | Smartchoice Credit Union | Mea Credit Union |
|---|---|---|
| TellerScore | 74 | 79 (stronger) |
| Capital cushion | 100 (stronger) | 41 |
| Loan quality | 64 | 100 (stronger) |
| Earnings | 43 | 86 (stronger) |
| Funding & liquidity | 66 | 97 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 49th | 62nd |
| Total assets | $787K | $806K |
| Deposits / shares | $548K | $732K |
| Capital ratio | 30.27% (stronger) | 9.13% |
| Problem loans | 1.07% | 0.00% (stronger) |
| Net charge-offs | -0.72% (stronger) | 0.00% |
| Return on assets | 0.56% | 1.64% (stronger) |
| Loans ÷ deposits | 93.8% | 63.6% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Mea Credit Union has the higher TellerScore (79 vs 74). On the 6 directional measures above (where higher or lower is clearly better), Smartchoice Credit Union leads on 2 and Mea Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.