Side-by-side · Q2 2026 data
Citizens Equity First Credit Union vs Empeople Credit Union
Metric by metric
| Measure | Citizens Equity First Credit Union | Empeople Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 58 |
| Capital cushion | 67 (stronger) | 33 |
| Loan quality | 68 | 80 (stronger) |
| Earnings | 73 (stronger) | 50 |
| Funding & liquidity | 73 (stronger) | 62 |
| Problem-loan coverage | 87 | 87 |
| Peer percentile | 62nd | 19th |
| Total assets | $8.5B | $2.3B |
| Deposits / shares | $7.4B | $2.0B |
| Capital ratio | 11.65% (stronger) | 8.31% |
| Problem loans | 0.96% | 0.59% (stronger) |
| Net charge-offs | 0.71% | 0.46% (stronger) |
| Return on assets | 1.33% (stronger) | 0.74% |
| Loans ÷ deposits | 87.4% (stronger) | 96.1% |
| Uninsured deposits | 8.9% (stronger) | 16.7% |
| Offices | 33 | 35 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 25.7% |
Citizens Equity First Credit Union has the higher TellerScore (71 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Citizens Equity First Credit Union leads on 5 and Empeople Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.