Side-by-side · Q2 2026 data
Softite Community Federal Credit Union vs Cincinnati Employees Credit Union
Credit union
Softite Community Federal Credit Union
Martins Ferry, Ohio · Under $100 million in assets
Credit union
Cincinnati Employees Credit Union
Harrison, Ohio · Under $100 million in assets
Metric by metric
| Measure | Softite Community Federal Credit Union | Cincinnati Employees Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 50 |
| Capital cushion | 100 (stronger) | 53 |
| Loan quality | 3 | 23 (stronger) |
| Earnings | 93 (stronger) | 29 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 83 (stronger) | 79 |
| Peer percentile | 47th | 9th |
| Total assets | $37.6M | $35.5M |
| Deposits / shares | $31.6M | $31.7M |
| Capital ratio | 15.68% (stronger) | 10.31% |
| Problem loans | 2.91% | 2.30% (stronger) |
| Net charge-offs | -0.17% (stronger) | 0.12% |
| Return on assets | 1.81% (stronger) | 0.23% |
| Loans ÷ deposits | 53.9% | 51.9% (stronger) |
| Uninsured deposits | 3.0% (stronger) | 8.1% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Softite Community Federal Credit Union has the higher TellerScore (73 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Softite Community Federal Credit Union leads on 5 and Cincinnati Employees Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.