Side-by-side · Q2 2026 data
E M O T Federal Credit Union vs Local 20 Ibew Federal Credit Union
Credit union
Local 20 Ibew Federal Credit Union
Grand Prairie, Texas · Under $100 million in assets
Metric by metric
| Measure | E M O T Federal Credit Union | Local 20 Ibew Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 23 |
| Capital cushion | 100 (stronger) | 10 |
| Loan quality | 43 (stronger) | 0 |
| Earnings | 62 (stronger) | 0 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 (stronger) | 50 |
| Peer percentile | 59th | 0th |
| Total assets | $9.2M | $9.4M |
| Deposits / shares | $5.5M | $8.8M |
| Capital ratio | 39.67% (stronger) | 5.97% |
| Problem loans | 1.72% (stronger) | 3.62% |
| Net charge-offs | 1.62% | -1.16% (stronger) |
| Return on assets | 1.05% (stronger) | -0.90% |
| Loans ÷ deposits | 50.9% (stronger) | 51.3% |
| Uninsured deposits | 0.0% (stronger) | 0.6% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
E M O T Federal Credit Union has the higher TellerScore (78 vs 23). On the 7 directional measures above (where higher or lower is clearly better), E M O T Federal Credit Union leads on 6 and Local 20 Ibew Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.