Side-by-side · Q2 2026 data
Em Federal Credit Union vs Arizona Financial Credit Union
Metric by metric
| Measure | Em Federal Credit Union | Arizona Financial Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 68 |
| Loan quality | 92 (stronger) | 87 |
| Earnings | 47 | 47 |
| Funding & liquidity | 90 | 99 (stronger) |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 80th | 79th |
| Total assets | $11.7M | $3.9B |
| Deposits / shares | $9.8M | $3.5B |
| Capital ratio | 15.65% (stronger) | 11.82% |
| Problem loans | 0.24% (stronger) | 0.39% |
| Net charge-offs | -0.00% (stronger) | 0.47% |
| Return on assets | 0.67% (stronger) | 0.66% |
| Loans ÷ deposits | 70.7% | 61.5% (stronger) |
| Uninsured deposits | 2.6% (stronger) | 11.8% |
| Offices | 2 | 21 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 27.9% |
Em Federal Credit Union has the higher TellerScore (86 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Em Federal Credit Union leads on 6 and Arizona Financial Credit Union on 1. 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.