Side-by-side · Q2 2026 data
E M O T Federal Credit Union vs Txdot Credit Union
Metric by metric
| Measure | E M O T Federal Credit Union | Txdot Credit Union |
|---|---|---|
| TellerScore | 78 | 81 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 43 | 82 (stronger) |
| Earnings | 62 (stronger) | 58 |
| Funding & liquidity | 100 (stronger) | 65 |
| Problem-loan coverage | 97 (stronger) | 92 |
| Peer percentile | 59th | 68th |
| Total assets | $9.2M | $18.2M |
| Deposits / shares | $5.5M | $15.0M |
| Capital ratio | 39.67% (stronger) | 17.19% |
| Problem loans | 1.72% | 0.54% (stronger) |
| Net charge-offs | 1.62% | 0.21% (stronger) |
| Return on assets | 1.05% (stronger) | 0.96% |
| Loans ÷ deposits | 50.9% (stronger) | 95.7% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Txdot Credit Union has the higher TellerScore (81 vs 78). On the 6 directional measures above (where higher or lower is clearly better), E M O T Federal Credit Union leads on 3 and Txdot Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.