Side-by-side · Q2 2026 data
Utility District Credit Union vs El Monte Community Credit Union
Credit union
El Monte Community Credit Union
El Monte, California · Under $100 million in assets
Metric by metric
| Measure | Utility District Credit Union | El Monte Community Credit Union |
|---|---|---|
| TellerScore | 71 | 76 (stronger) |
| Capital cushion | 43 | 54 (stronger) |
| Loan quality | 81 | 98 (stronger) |
| Earnings | 66 (stronger) | 50 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 42nd | 54th |
| Total assets | $34.2M | $34.4M |
| Deposits / shares | $30.8M | $30.3M |
| Capital ratio | 9.34% | 10.44% (stronger) |
| Problem loans | 0.57% | 0.06% (stronger) |
| Net charge-offs | 0.22% (stronger) | 0.39% |
| Return on assets | 1.14% (stronger) | 0.74% |
| Loans ÷ deposits | 27.2% (stronger) | 59.6% |
| Uninsured deposits | 6.2% | 0.0% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
El Monte Community Credit Union has the higher TellerScore (76 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Utility District Credit Union leads on 3 and El Monte Community Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.