Side-by-side · Q2 2026 data
Welcome Federal Credit Union vs Electel Cooperative
Credit union
Welcome Federal Credit Union
Morrisville, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Welcome Federal Credit Union | Electel Cooperative |
|---|---|---|
| TellerScore | 69 | 72 (stronger) |
| Capital cushion | 80 (stronger) | 77 |
| Loan quality | 63 | 88 (stronger) |
| Earnings | 28 (stronger) | 20 |
| Funding & liquidity | 100 (stronger) | 90 |
| Problem-loan coverage | 91 | 96 (stronger) |
| Peer percentile | 38th | 44th |
| Total assets | $92.0M | $68.2M |
| Deposits / shares | $79.3M | $59.9M |
| Capital ratio | 13.02% (stronger) | 12.67% |
| Problem loans | 1.11% | 0.37% (stronger) |
| Net charge-offs | 0.16% (stronger) | 0.35% |
| Return on assets | 0.21% (stronger) | 0.01% |
| Loans ÷ deposits | 55.4% (stronger) | 70.6% |
| Uninsured deposits | 10.5% | 7.6% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Electel Cooperative has the higher TellerScore (72 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Welcome Federal Credit Union leads on 4 and Electel Cooperative on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.