Side-by-side · Q2 2026 data
Countybank vs Emerald Credit Association Federal Credit Union
Credit union
Emerald Credit Association Federal Credit Union
Greenwood, South Carolina · Under $100 million in assets
Metric by metric
| Measure | Countybank | Emerald Credit Association Federal Credit Union |
|---|---|---|
| TellerScore | 69 (stronger) | 64 |
| Capital cushion | 37 (stronger) | 34 |
| Loan quality | 85 | 100 (stronger) |
| Earnings | 78 (stronger) | 34 |
| Funding & liquidity | 80 | 83 (stronger) |
| Problem-loan coverage | 90 | 100 (stronger) |
| Peer percentile | 40th | 28th |
| Total assets | $733.0M | $10.3M |
| Deposits / shares | $623.1M | $9.4M |
| Capital ratio | 8.72% (stronger) | 8.39% |
| Problem loans | 0.44% | 0.00% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.22% |
| Return on assets | 1.45% (stronger) | 0.35% |
| Loans ÷ deposits | 65.4% (stronger) | 77.3% |
| Uninsured deposits | 28.2% | 0.0% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.5% | — |
Countybank has the higher TellerScore (69 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Countybank leads on 5 and Emerald Credit Association Federal Credit Union on 2. 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.