Side-by-side · Q2 2026 data
Capitol Federal Savings Bank vs Empower Blue Credit Union
Metric by metric
| Measure | Capitol Federal Savings Bank | Empower Blue Credit Union |
|---|---|---|
| TellerScore | 61 | 88 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 79 | 97 (stronger) |
| Earnings | 56 (stronger) | 47 |
| Funding & liquidity | 50 | 98 (stronger) |
| Problem-loan coverage | 90 | 99 (stronger) |
| Peer percentile | 24th | 85th |
| Total assets | $9.7B | $55.1M |
| Deposits / shares | $6.9B | $45.6M |
| Capital ratio | 9.57% | 18.09% (stronger) |
| Problem loans | 0.62% | 0.10% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.12% |
| Return on assets | 0.90% (stronger) | 0.68% |
| Loans ÷ deposits | 118.1% | 61.8% (stronger) |
| Uninsured deposits | 11.2% | 7.6% (stronger) |
| Offices | 45 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.2% | — |
Empower Blue Credit Union has the higher TellerScore (88 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Capitol Federal Savings Bank leads on 2 and Empower Blue Credit Union on 5. 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.