Side-by-side · Q2 2026 data
Em Federal Credit Union vs Oneaz Credit Union
Metric by metric
| Measure | Em Federal Credit Union | Oneaz Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 71 |
| Capital cushion | 100 (stronger) | 54 |
| Loan quality | 92 (stronger) | 78 |
| Earnings | 47 | 67 (stronger) |
| Funding & liquidity | 90 (stronger) | 82 |
| Problem-loan coverage | 98 (stronger) | 91 |
| Peer percentile | 80th | 62nd |
| Total assets | $11.7M | $4.5B |
| Deposits / shares | $9.8M | $4.0B |
| Capital ratio | 15.65% (stronger) | 10.44% |
| Problem loans | 0.24% (stronger) | 0.66% |
| Net charge-offs | -0.00% (stronger) | 0.44% |
| Return on assets | 0.67% | 1.16% (stronger) |
| Loans ÷ deposits | 70.7% (stronger) | 76.5% |
| Uninsured deposits | 2.6% (stronger) | 16.9% |
| Offices | 2 | 20 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 35.8% |
Em Federal Credit Union has the higher TellerScore (86 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Em Federal Credit Union leads on 6 and Oneaz 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.