Side-by-side · Q2 2026 data
United Credit Union vs Missouri Electric Cooperatives Empl
Credit union
Missouri Electric Cooperatives Empl
Jefferson City, Missouri · $100 million – $1 billion
Metric by metric
| Measure | United Credit Union | Missouri Electric Cooperatives Empl |
|---|---|---|
| TellerScore | 88 (stronger) | 82 |
| Capital cushion | 100 (stronger) | 63 |
| Loan quality | 87 | 96 (stronger) |
| Earnings | 68 | 75 (stronger) |
| Funding & liquidity | 85 | 93 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 92nd | 82nd |
| Total assets | $302.1M | $396.8M |
| Deposits / shares | $253.5M | $344.0M |
| Capital ratio | 15.17% (stronger) | 11.32% |
| Problem loans | 0.40% | 0.13% (stronger) |
| Net charge-offs | 0.64% | 0.04% (stronger) |
| Return on assets | 1.19% | 1.37% (stronger) |
| Loans ÷ deposits | 75.5% | 67.3% (stronger) |
| Uninsured deposits | 6.3% (stronger) | 12.2% |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.8% |
United Credit Union has the higher TellerScore (88 vs 82). On the 7 directional measures above (where higher or lower is clearly better), United Credit Union leads on 3 and Missouri Electric Cooperatives Empl on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.