Side-by-side · Q2 2026 data
Telcomm Credit Union vs Missouri Electric Cooperatives Empl
Credit union
Missouri Electric Cooperatives Empl
Jefferson City, Missouri · $100 million – $1 billion
Metric by metric
| Measure | Telcomm Credit Union | Missouri Electric Cooperatives Empl |
|---|---|---|
| TellerScore | 77 | 82 (stronger) |
| Capital cushion | 82 (stronger) | 63 |
| Loan quality | 92 | 96 (stronger) |
| Earnings | 41 | 75 (stronger) |
| Funding & liquidity | 75 | 93 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 71st | 82nd |
| Total assets | $337.9M | $396.8M |
| Deposits / shares | $286.3M | $344.0M |
| Capital ratio | 13.18% (stronger) | 11.32% |
| Problem loans | 0.25% | 0.13% (stronger) |
| Net charge-offs | 0.55% | 0.04% (stronger) |
| Return on assets | 0.54% | 1.37% (stronger) |
| Loans ÷ deposits | 85.6% | 67.3% (stronger) |
| Uninsured deposits | 2.2% (stronger) | 12.2% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.8% | 3.8% |
Missouri Electric Cooperatives Empl has the higher TellerScore (82 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Telcomm Credit Union leads on 2 and Missouri Electric Cooperatives Empl on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.