Side-by-side · Q2 2026 data
St. Louis Community Credit Union vs State Employees Community Credit Union
Credit union
St. Louis Community Credit Union
Saint Louis, Missouri · $100 million – $1 billion
Credit union
State Employees Community Credit Union
Alton, Illinois · Under $100 million in assets
Metric by metric
| Measure | St. Louis Community Credit Union | State Employees Community Credit Union |
|---|---|---|
| TellerScore | 58 | 89 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 31 | 49 (stronger) |
| Funding & liquidity | 100 (stronger) | 93 |
| Problem-loan coverage | 64 | 100 (stronger) |
| Peer percentile | 16th | 87th |
| Total assets | $445.0M | $6.7M |
| Deposits / shares | $374.7M | $5.3M |
| Capital ratio | 15.03% | 20.02% (stronger) |
| Problem loans | 5.79% | 0.00% (stronger) |
| Net charge-offs | 1.68% | 0.38% (stronger) |
| Return on assets | 0.26% | 0.73% (stronger) |
| Loans ÷ deposits | 55.2% (stronger) | 67.5% |
| Uninsured deposits | 4.5% | 1.2% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
State Employees Community Credit Union has the higher TellerScore (89 vs 58). On the 7 directional measures above (where higher or lower is clearly better), St. Louis Community Credit Union leads on 1 and State Employees Community Credit Union on 6. 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.