Side-by-side · Q2 2026 data
Cottonwood Valley Bank vs Emporia State Federal Credit Union
Metric by metric
| Measure | Cottonwood Valley Bank | Emporia State Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 75 |
| Capital cushion | 94 (stronger) | 57 |
| Loan quality | 100 (stronger) | 84 |
| Earnings | 57 | 72 (stronger) |
| Funding & liquidity | 100 (stronger) | 90 |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 89th | 66th |
| Total assets | $38.1M | $146.5M |
| Deposits / shares | $32.7M | $130.3M |
| Capital ratio | 14.39% (stronger) | 10.74% |
| Problem loans | 0.00% (stronger) | 0.49% |
| Net charge-offs | -0.16% (stronger) | 0.11% |
| Return on assets | 0.93% | 1.31% (stronger) |
| Loans ÷ deposits | 17.9% (stronger) | 70.6% |
| Uninsured deposits | 10.7% | 1.3% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cottonwood Valley Bank has the higher TellerScore (90 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Cottonwood Valley Bank leads on 5 and Emporia State Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.