Side-by-side · Q2 2026 data
Baxter Credit Union vs Empeople Credit Union
Metric by metric
| Measure | Baxter Credit Union | Empeople Credit Union |
|---|---|---|
| TellerScore | 60 (stronger) | 58 |
| Capital cushion | 53 (stronger) | 33 |
| Loan quality | 71 | 80 (stronger) |
| Earnings | 49 | 50 (stronger) |
| Funding & liquidity | 56 | 62 (stronger) |
| Problem-loan coverage | 86 | 87 (stronger) |
| Peer percentile | 25th | 19th |
| Total assets | $6.4B | $2.3B |
| Deposits / shares | $5.0B | $2.0B |
| Capital ratio | 10.25% (stronger) | 8.31% |
| Problem loans | 0.86% | 0.59% (stronger) |
| Net charge-offs | 1.06% | 0.46% (stronger) |
| Return on assets | 0.72% | 0.74% (stronger) |
| Loans ÷ deposits | 104.2% | 96.1% (stronger) |
| Uninsured deposits | 14.2% (stronger) | 16.7% |
| Offices | 33 | 35 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.2% | 25.7% |
Baxter Credit Union has the higher TellerScore (60 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Baxter Credit Union leads on 3 and Empeople Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.