Side-by-side · Q2 2026 data
Cincinnati Employees Credit Union vs Emerald Credit Union, Inc.
Credit union
Cincinnati Employees Credit Union
Harrison, Ohio · Under $100 million in assets
Credit union
Emerald Credit Union, Inc.
Garfield Hts, Ohio · Under $100 million in assets
Metric by metric
| Measure | Cincinnati Employees Credit Union | Emerald Credit Union, Inc. |
|---|---|---|
| TellerScore | 50 (stronger) | 45 |
| Capital cushion | 53 (stronger) | 39 |
| Loan quality | 23 | 45 (stronger) |
| Earnings | 29 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 96 |
| Problem-loan coverage | 79 (stronger) | 78 |
| Peer percentile | 9th | 5th |
| Total assets | $35.5M | $32.7M |
| Deposits / shares | $31.7M | $29.2M |
| Capital ratio | 10.31% (stronger) | 8.86% |
| Problem loans | 2.30% | 1.66% (stronger) |
| Net charge-offs | 0.12% (stronger) | 1.86% |
| Return on assets | 0.23% (stronger) | -0.51% |
| Loans ÷ deposits | 51.9% (stronger) | 64.7% |
| Uninsured deposits | 8.1% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cincinnati Employees Credit Union has the higher TellerScore (50 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Cincinnati Employees Credit Union leads on 5 and Emerald Credit Union, Inc. on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.