Side-by-side · Q2 2026 data
Em Federal Credit Union vs U-Haul Federal Credit Union
Metric by metric
| Measure | Em Federal Credit Union | U-Haul Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 45 |
| Capital cushion | 100 (stronger) | 51 |
| Loan quality | 92 (stronger) | 0 |
| Earnings | 47 (stronger) | 43 |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 61 |
| Peer percentile | 80th | 5th |
| Total assets | $11.7M | $6.6M |
| Deposits / shares | $9.8M | $5.9M |
| Capital ratio | 15.65% (stronger) | 10.06% |
| Problem loans | 0.24% (stronger) | 7.14% |
| Net charge-offs | -0.00% | -0.48% (stronger) |
| Return on assets | 0.67% (stronger) | 0.57% |
| Loans ÷ deposits | 70.7% | 36.8% (stronger) |
| Uninsured deposits | 2.6% | 0.0% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Em Federal Credit Union has the higher TellerScore (86 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Em Federal Credit Union leads on 4 and U-Haul Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.