Side-by-side · Q2 2026 data
Em Federal Credit Union vs Desert Financial Credit Union
Metric by metric
| Measure | Em Federal Credit Union | Desert Financial Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 80 |
| Capital cushion | 100 (stronger) | 71 |
| Loan quality | 92 (stronger) | 84 |
| Earnings | 47 | 64 (stronger) |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 80th | 88th |
| Total assets | $11.7M | $9.9B |
| Deposits / shares | $9.8M | $8.9B |
| Capital ratio | 15.65% (stronger) | 12.10% |
| Problem loans | 0.24% (stronger) | 0.47% |
| Net charge-offs | -0.00% (stronger) | 0.29% |
| Return on assets | 0.67% | 1.11% (stronger) |
| Loans ÷ deposits | 70.7% | 59.9% (stronger) |
| Uninsured deposits | 2.6% (stronger) | 11.7% |
| Offices | 2 | 51 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 26.1% |
Em Federal Credit Union has the higher TellerScore (86 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Em Federal Credit Union leads on 5 and Desert Financial Credit Union on 2. 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.