Side-by-side · Q2 2026 data
Cottonwood Valley Bank vs Credit Union of Emporia
Metric by metric
| Measure | Cottonwood Valley Bank | Credit Union of Emporia |
|---|---|---|
| TellerScore | 90 | 90 |
| Capital cushion | 94 | 100 (stronger) |
| Loan quality | 100 (stronger) | 81 |
| Earnings | 57 | 77 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 89th | 89th |
| Total assets | $38.1M | $42.1M |
| Deposits / shares | $32.7M | $35.4M |
| Capital ratio | 14.39% | 15.31% (stronger) |
| Problem loans | 0.00% (stronger) | 0.56% |
| Net charge-offs | -0.16% (stronger) | 0.50% |
| Return on assets | 0.93% | 1.44% (stronger) |
| Loans ÷ deposits | 17.9% (stronger) | 33.9% |
| Uninsured deposits | 10.7% | 3.2% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Cottonwood Valley Bank leads on 3 and Credit Union of Emporia on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.