Side-by-side · Q2 2026 data
Clear Fork Bank, National Association vs E M O T Federal Credit Union
Metric by metric
| Measure | Clear Fork Bank, National Association | E M O T Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 78 |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 91 (stronger) | 43 |
| Earnings | 100 (stronger) | 62 |
| Funding & liquidity | 68 | 100 (stronger) |
| Problem-loan coverage | 93 | 97 (stronger) |
| Peer percentile | 88th | 59th |
| Total assets | $1.0B | $9.2M |
| Deposits / shares | $912.0M | $5.5M |
| Capital ratio | 10.57% | 39.67% (stronger) |
| Problem loans | 0.26% (stronger) | 1.72% |
| Net charge-offs | 0.02% (stronger) | 1.62% |
| Return on assets | 2.36% (stronger) | 1.05% |
| Loans ÷ deposits | 87.7% | 50.9% (stronger) |
| Uninsured deposits | 19.3% | 0.0% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.8% | — |
Clear Fork Bank, National Association has the higher TellerScore (79 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Clear Fork Bank, National Association leads on 4 and E M O T Federal Credit Union on 3. 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.