Side-by-side · Q2 2026 data
Coosa Pines Federal Credit Union vs Emblem Credit Union
Credit union
Coosa Pines Federal Credit Union
Childersburg, Alabama · $100 million – $1 billion
Metric by metric
| Measure | Coosa Pines Federal Credit Union | Emblem Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 72 |
| Capital cushion | 100 (stronger) | 63 |
| Loan quality | 71 | 79 (stronger) |
| Earnings | 91 (stronger) | 66 |
| Funding & liquidity | 88 (stronger) | 74 |
| Problem-loan coverage | 93 (stronger) | 91 |
| Peer percentile | 92nd | 57th |
| Total assets | $420.8M | $627.6M |
| Deposits / shares | $356.6M | $558.3M |
| Capital ratio | 16.20% (stronger) | 11.29% |
| Problem loans | 0.87% | 0.63% (stronger) |
| Net charge-offs | 0.70% | 0.23% (stronger) |
| Return on assets | 1.77% (stronger) | 1.15% |
| Loans ÷ deposits | 72.3% (stronger) | 86.0% |
| Uninsured deposits | 7.3% (stronger) | 11.0% |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.1% | 28.7% |
Coosa Pines Federal Credit Union has the higher TellerScore (88 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Coosa Pines Federal Credit Union leads on 5 and Emblem Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.