Side-by-side · Q2 2026 data
Velma Federal Credit Union vs Cooperative Employees
Metric by metric
| Measure | Velma Federal Credit Union | Cooperative Employees |
|---|---|---|
| TellerScore | 79 (stronger) | 73 |
| Capital cushion | 100 (stronger) | 54 |
| Loan quality | 48 | 100 (stronger) |
| Earnings | 100 (stronger) | 42 |
| Funding & liquidity | 59 | 92 (stronger) |
| Problem-loan coverage | 81 | 100 (stronger) |
| Peer percentile | 62nd | 47th |
| Total assets | $3.1M | $10.0M |
| Deposits / shares | $2.6M | $8.9M |
| Capital ratio | 15.16% (stronger) | 10.37% |
| Problem loans | 1.55% | 0.00% (stronger) |
| Net charge-offs | 0.30% | 0.00% (stronger) |
| Return on assets | 2.08% (stronger) | 0.55% |
| Loans ÷ deposits | 100.9% | 67.8% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Velma Federal Credit Union has the higher TellerScore (79 vs 73). On the 6 directional measures above (where higher or lower is clearly better), Velma Federal Credit Union leads on 3 and Cooperative Employees on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.