Side-by-side · Q2 2026 data
Electric Machinery Employees Credit Union vs First Pace Credit Union
Credit union
Electric Machinery Employees Credit Union
Minneapolis, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Electric Machinery Employees Credit Union | First Pace Credit Union |
|---|---|---|
| TellerScore | 71 | 75 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 60 | 92 (stronger) |
| Earnings | 5 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 84 |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 42nd | 52nd |
| Total assets | $8.4M | $8.7M |
| Deposits / shares | $6.3M | $7.0M |
| Capital ratio | 24.60% (stronger) | 18.92% |
| Problem loans | 1.20% | 0.25% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.16% |
| Return on assets | -0.38% (stronger) | -0.84% |
| Loans ÷ deposits | 58.3% (stronger) | 76.6% |
| Uninsured deposits | 0.0% (stronger) | 2.5% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Pace Credit Union has the higher TellerScore (75 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Electric Machinery Employees Credit Union leads on 5 and First Pace Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.