Side-by-side · Q2 2026 data
Beal Bank USA vs Em Federal Credit Union
Metric by metric
| Measure | Beal Bank USA | Em Federal Credit Union |
|---|---|---|
| TellerScore | 80 | 86 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 74 | 92 (stronger) |
| Earnings | 100 (stronger) | 47 |
| Funding & liquidity | 15 | 90 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 96th | 80th |
| Total assets | $11.0B | $11.7M |
| Deposits / shares | $1.7B | $9.8M |
| Capital ratio | 21.89% (stronger) | 15.65% |
| Problem loans | 0.78% | 0.24% (stronger) |
| Net charge-offs | -4.75% (stronger) | -0.00% |
| Return on assets | 8.19% (stronger) | 0.67% |
| Loans ÷ deposits | 235.7% | 70.7% (stronger) |
| Uninsured deposits | 46.6% | 2.6% (stronger) |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Em Federal Credit Union has the higher TellerScore (86 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Beal Bank USA leads on 3 and Em Federal Credit Union on 4. 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.