Side-by-side · Q2 2026 data
Allsouth Federal Credit Union vs Emerald Credit Association Federal Credit Union
Credit union
Allsouth Federal Credit Union
Columbia, South Carolina · $1 billion – $10 billion
Credit union
Emerald Credit Association Federal Credit Union
Greenwood, South Carolina · Under $100 million in assets
Metric by metric
| Measure | Allsouth Federal Credit Union | Emerald Credit Association Federal Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 64 |
| Capital cushion | 100 (stronger) | 34 |
| Loan quality | 86 | 100 (stronger) |
| Earnings | 89 (stronger) | 34 |
| Funding & liquidity | 95 (stronger) | 83 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 99th | 28th |
| Total assets | $1.5B | $10.3M |
| Deposits / shares | $1.2B | $9.4M |
| Capital ratio | 19.60% (stronger) | 8.39% |
| Problem loans | 0.41% | 0.00% (stronger) |
| Net charge-offs | 0.43% | 0.22% (stronger) |
| Return on assets | 1.73% (stronger) | 0.35% |
| Loans ÷ deposits | 65.4% (stronger) | 77.3% |
| Uninsured deposits | 6.1% | 0.0% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 32.2% | — |
Allsouth Federal Credit Union has the higher TellerScore (93 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Allsouth Federal Credit Union leads on 4 and Emerald Credit Association 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.