Side-by-side · Q2 2026 data
E M O T Federal Credit Union vs Citizens Federal Credit Union
Metric by metric
| Measure | E M O T Federal Credit Union | Citizens Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 90 (stronger) |
| Capital cushion | 100 (stronger) | 96 |
| Loan quality | 43 | 96 (stronger) |
| Earnings | 62 | 87 (stronger) |
| Funding & liquidity | 100 (stronger) | 66 |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 59th | 95th |
| Total assets | $9.2M | $201.9M |
| Deposits / shares | $5.5M | $173.8M |
| Capital ratio | 39.67% (stronger) | 14.60% |
| Problem loans | 1.72% | 0.13% (stronger) |
| Net charge-offs | 1.62% | 0.39% (stronger) |
| Return on assets | 1.05% | 1.68% (stronger) |
| Loans ÷ deposits | 50.9% (stronger) | 77.2% |
| Uninsured deposits | 0.0% (stronger) | 30.3% |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Federal Credit Union has the higher TellerScore (90 vs 78). On the 7 directional measures above (where higher or lower is clearly better), E M O T Federal Credit Union leads on 3 and Citizens Federal Credit Union on 4. 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.