Side-by-side · Q2 2026 data
Em Federal Credit Union vs Winslow School Employees Federal Credit Union
Credit union
Winslow School Employees Federal Credit Union
Winslow, Arizona · Under $100 million in assets
Metric by metric
| Measure | Em Federal Credit Union | Winslow School Employees Federal Credit Union |
|---|---|---|
| TellerScore | 86 | 92 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 92 | 98 (stronger) |
| Earnings | 47 | 75 (stronger) |
| Funding & liquidity | 90 (stronger) | 86 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 80th | 92nd |
| Total assets | $11.7M | $5.2M |
| Deposits / shares | $9.8M | $4.2M |
| Capital ratio | 15.65% | 18.49% (stronger) |
| Problem loans | 0.24% | 0.06% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.09% |
| Return on assets | 0.67% | 1.37% (stronger) |
| Loans ÷ deposits | 70.7% (stronger) | 74.0% |
| Uninsured deposits | 2.6% | 0.0% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Winslow School Employees Federal Credit Union has the higher TellerScore (92 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Em Federal Credit Union leads on 2 and Winslow School Employees Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.