Side-by-side · Q2 2026 data
The Commercial Bank vs E L C O Federal Credit Union
Metric by metric
| Measure | The Commercial Bank | E L C O Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 84 (stronger) |
| Capital cushion | 57 | 100 (stronger) |
| Loan quality | 94 (stronger) | 74 |
| Earnings | 100 (stronger) | 78 |
| Funding & liquidity | 61 | 70 (stronger) |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 75th | 75th |
| Total assets | $463.7M | $5.3M |
| Deposits / shares | $419.2M | $4.2M |
| Capital ratio | 10.72% | 20.10% (stronger) |
| Problem loans | 0.17% (stronger) | 0.78% |
| Net charge-offs | 0.00% (stronger) | 0.42% |
| Return on assets | 3.14% (stronger) | 1.45% |
| Loans ÷ deposits | 81.7% (stronger) | 90.2% |
| Uninsured deposits | 30.6% | 0.0% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.6% | — |
E L C O Federal Credit Union has the higher TellerScore (84 vs 79). On the 7 directional measures above (where higher or lower is clearly better), The Commercial Bank leads on 4 and E L C O Federal Credit Union on 3. 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.