Side-by-side · Q2 2026 data
Embers Credit Union vs Diversified Members Credit Union
Metric by metric
| Measure | Embers Credit Union | Diversified Members Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 67 |
| Capital cushion | 71 | 97 (stronger) |
| Loan quality | 79 (stronger) | 42 |
| Earnings | 62 (stronger) | 22 |
| Funding & liquidity | 85 | 96 (stronger) |
| Problem-loan coverage | 93 (stronger) | 89 |
| Peer percentile | 68th | 41st |
| Total assets | $621.8M | $588.5M |
| Deposits / shares | $544.3M | $455.6M |
| Capital ratio | 12.07% | 14.71% (stronger) |
| Problem loans | 0.64% (stronger) | 1.73% |
| Net charge-offs | 0.09% (stronger) | 0.90% |
| Return on assets | 1.06% (stronger) | 0.05% |
| Loans ÷ deposits | 75.1% | 57.5% (stronger) |
| Uninsured deposits | 5.2% (stronger) | 18.5% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Embers Credit Union has the higher TellerScore (76 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Embers Credit Union leads on 5 and Diversified Members Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.