Side-by-side · Q2 2026 data
1st Midamerica Credit Union vs Empeople Credit Union
Metric by metric
| Measure | 1st Midamerica Credit Union | Empeople Credit Union |
|---|---|---|
| TellerScore | 64 (stronger) | 58 |
| Capital cushion | 83 (stronger) | 33 |
| Loan quality | 33 | 80 (stronger) |
| Earnings | 69 (stronger) | 50 |
| Funding & liquidity | 61 | 62 (stronger) |
| Problem-loan coverage | 74 | 87 (stronger) |
| Peer percentile | 36th | 19th |
| Total assets | $1.0B | $2.3B |
| Deposits / shares | $868.2M | $2.0B |
| Capital ratio | 13.33% (stronger) | 8.31% |
| Problem loans | 2.01% | 0.59% (stronger) |
| Net charge-offs | 0.26% (stronger) | 0.46% |
| Return on assets | 1.22% (stronger) | 0.74% |
| Loans ÷ deposits | 98.9% | 96.1% (stronger) |
| Uninsured deposits | 7.3% (stronger) | 16.7% |
| Offices | 9 | 35 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.6% | 25.7% |
1st Midamerica Credit Union has the higher TellerScore (64 vs 58). On the 7 directional measures above (where higher or lower is clearly better), 1st Midamerica Credit Union leads on 5 and Empeople Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.