Side-by-side · Q2 2026 data
Three Rivers Federal Credit Union vs Elements Financial Federal Credit Union
Credit union
Elements Financial Federal Credit Union
Indianapolis, Indiana · $1 billion – $10 billion
Metric by metric
| Measure | Three Rivers Federal Credit Union | Elements Financial Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 77 |
| Capital cushion | 89 (stronger) | 69 |
| Loan quality | 51 | 85 (stronger) |
| Earnings | 97 (stronger) | 76 |
| Funding & liquidity | 72 (stronger) | 69 |
| Problem-loan coverage | 86 | 94 (stronger) |
| Peer percentile | 84th | 82nd |
| Total assets | $2.9B | $2.5B |
| Deposits / shares | $2.1B | $2.0B |
| Capital ratio | 13.88% (stronger) | 11.92% |
| Problem loans | 1.47% | 0.46% (stronger) |
| Net charge-offs | 0.43% | 0.21% (stronger) |
| Return on assets | 1.92% (stronger) | 1.40% |
| Loans ÷ deposits | 86.4% | 85.3% (stronger) |
| Uninsured deposits | 16.3% (stronger) | 20.5% |
| Offices | 11 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.3% | 15.7% |
Three Rivers Federal Credit Union has the higher TellerScore (78 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Three Rivers Federal Credit Union leads on 4 and Elements Financial Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.