Side-by-side · Q2 2026 data
Duluth Fire Department Credit Union vs Electric Machinery Employees Credit Union
Credit union
Duluth Fire Department Credit Union
Duluth, Minnesota · Under $100 million in assets
Credit union
Electric Machinery Employees Credit Union
Minneapolis, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Duluth Fire Department Credit Union | Electric Machinery Employees Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 71 |
| Capital cushion | 100 | 100 |
| Loan quality | 90 (stronger) | 60 |
| Earnings | 40 (stronger) | 5 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 77th | 42nd |
| Total assets | $7.5M | $8.4M |
| Deposits / shares | $6.2M | $6.3M |
| Capital ratio | 17.76% | 24.60% (stronger) |
| Problem loans | 0.31% (stronger) | 1.20% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 0.50% (stronger) | -0.38% |
| Loans ÷ deposits | 40.0% (stronger) | 58.3% |
| Uninsured deposits | 10.0% | 0.0% (stronger) |
| Offices | 0 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Duluth Fire Department Credit Union has the higher TellerScore (85 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Duluth Fire Department Credit Union leads on 4 and Electric Machinery Employees Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.