Side-by-side · Q2 2026 data
Avana Bank vs E M O T Federal Credit Union
Metric by metric
| Measure | Avana Bank | E M O T Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 78 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 43 |
| Earnings | 3 | 62 (stronger) |
| Funding & liquidity | 89 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 63rd | 59th |
| Total assets | $39.6M | $9.2M |
| Deposits / shares | $30.6M | $5.5M |
| Capital ratio | 17.52% | 39.67% (stronger) |
| Problem loans | 0.00% (stronger) | 1.72% |
| Net charge-offs | 0.00% (stronger) | 1.62% |
| Return on assets | -0.42% | 1.05% (stronger) |
| Loans ÷ deposits | 46.3% (stronger) | 50.9% |
| Uninsured deposits | 25.4% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Avana Bank has the higher TellerScore (79 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Avana Bank leads on 4 and E M O T Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.