Side-by-side · Q2 2026 data
United Employees Credit Union vs Ely Area Credit Union
Credit union
United Employees Credit Union
Albert Lea, Minnesota · Under $100 million in assets
Metric by metric
| Measure | United Employees Credit Union | Ely Area Credit Union |
|---|---|---|
| TellerScore | 87 | 99 (stronger) |
| Capital cushion | 92 | 100 (stronger) |
| Loan quality | 73 | 95 (stronger) |
| Earnings | 84 | 100 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 83rd | 99th |
| Total assets | $66.4M | $74.3M |
| Deposits / shares | $56.5M | $61.6M |
| Capital ratio | 14.19% | 16.97% (stronger) |
| Problem loans | 0.80% | 0.14% (stronger) |
| Net charge-offs | 0.00% | -0.18% (stronger) |
| Return on assets | 1.59% | 2.60% (stronger) |
| Loans ÷ deposits | 50.0% | 41.9% (stronger) |
| Uninsured deposits | 2.0% (stronger) | 2.8% |
| Offices | 0 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.5% |
Ely Area Credit Union has the higher TellerScore (99 vs 87). On the 7 directional measures above (where higher or lower is clearly better), United Employees Credit Union leads on 1 and Ely Area Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.