Side-by-side · Q2 2026 data
United Local Credit Union vs Educational Employees Credit Union
Credit union
Educational Employees Credit Union
Fresno, California · $1 billion – $10 billion
Metric by metric
| Measure | United Local Credit Union | Educational Employees Credit Union |
|---|---|---|
| TellerScore | 79 | 96 (stronger) |
| Capital cushion | 100 (stronger) | 96 |
| Loan quality | 93 | 93 |
| Earnings | 18 | 94 (stronger) |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 76th | 100th |
| Total assets | $119.3M | $5.4B |
| Deposits / shares | $94.6M | $4.6B |
| Capital ratio | 20.14% (stronger) | 14.58% |
| Problem loans | 0.20% | 0.20% (stronger) |
| Net charge-offs | 0.58% | 0.48% (stronger) |
| Return on assets | -0.05% | 1.84% (stronger) |
| Loans ÷ deposits | 80.7% | 50.2% (stronger) |
| Uninsured deposits | 9.8% | 3.9% (stronger) |
| Offices | 2 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.7% | 52.0% |
Educational Employees Credit Union has the higher TellerScore (96 vs 79). On the 7 directional measures above (where higher or lower is clearly better), United Local Credit Union leads on 1 and Educational Employees Credit Union on 6. 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.