Side-by-side · Q2 2026 data
Em Federal Credit Union vs Winslow Santa Fe Credit Union
Metric by metric
| Measure | Em Federal Credit Union | Winslow Santa Fe Credit Union |
|---|---|---|
| TellerScore | 86 | 93 (stronger) |
| Capital cushion | 100 (stronger) | 96 |
| Loan quality | 92 (stronger) | 90 |
| Earnings | 47 | 100 (stronger) |
| Funding & liquidity | 90 (stronger) | 83 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 80th | 94th |
| Total assets | $11.7M | $15.0M |
| Deposits / shares | $9.8M | $12.8M |
| Capital ratio | 15.65% (stronger) | 14.56% |
| Problem loans | 0.24% (stronger) | 0.31% |
| Net charge-offs | -0.00% (stronger) | 0.20% |
| Return on assets | 0.67% | 2.59% (stronger) |
| Loans ÷ deposits | 70.7% (stronger) | 77.4% |
| Uninsured deposits | 2.6% | 2.6% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Winslow Santa Fe Credit Union has the higher TellerScore (93 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Em Federal Credit Union leads on 4 and Winslow Santa Fe Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.