Side-by-side · Q2 2026 data
Embers Credit Union vs American 1 Credit Union
Metric by metric
| Measure | Embers Credit Union | American 1 Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 65 |
| Capital cushion | 71 | 100 (stronger) |
| Loan quality | 79 (stronger) | 31 |
| Earnings | 62 (stronger) | 41 |
| Funding & liquidity | 85 (stronger) | 76 |
| Problem-loan coverage | 93 (stronger) | 81 |
| Peer percentile | 68th | 34th |
| Total assets | $621.8M | $661.3M |
| Deposits / shares | $544.3M | $543.3M |
| Capital ratio | 12.07% | 15.58% (stronger) |
| Problem loans | 0.64% (stronger) | 2.07% |
| Net charge-offs | 0.09% (stronger) | 2.62% |
| Return on assets | 1.06% (stronger) | 0.53% |
| Loans ÷ deposits | 75.1% (stronger) | 83.8% |
| Uninsured deposits | 5.2% | 4.6% (stronger) |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Embers Credit Union has the higher TellerScore (76 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Embers Credit Union leads on 5 and American 1 Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.