Side-by-side · Q2 2026 data
Abilene Teachers Federal Credit Union vs E M O T Federal Credit Union
Credit union
Abilene Teachers Federal Credit Union
Abilene, Texas · $100 million – $1 billion
Metric by metric
| Measure | Abilene Teachers Federal Credit Union | E M O T Federal Credit Union |
|---|---|---|
| TellerScore | 95 (stronger) | 78 |
| Capital cushion | 100 | 100 |
| Loan quality | 90 (stronger) | 43 |
| Earnings | 100 (stronger) | 62 |
| Funding & liquidity | 84 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 98th | 59th |
| Total assets | $690.4M | $9.2M |
| Deposits / shares | $547.0M | $5.5M |
| Capital ratio | 18.82% | 39.67% (stronger) |
| Problem loans | 0.31% (stronger) | 1.72% |
| Net charge-offs | 0.32% (stronger) | 1.62% |
| Return on assets | 2.56% (stronger) | 1.05% |
| Loans ÷ deposits | 75.9% | 50.9% (stronger) |
| Uninsured deposits | 5.0% | 0.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.4% | — |
Abilene Teachers Federal Credit Union has the higher TellerScore (95 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Abilene Teachers Federal Credit Union leads on 4 and E M O T Federal Credit Union on 3. 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.