Side-by-side · Q2 2026 data
Emblem Credit Union vs Winsouth Credit Union
Metric by metric
| Measure | Emblem Credit Union | Winsouth Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 68 |
| Capital cushion | 63 (stronger) | 54 |
| Loan quality | 79 (stronger) | 78 |
| Earnings | 66 (stronger) | 50 |
| Funding & liquidity | 74 | 91 (stronger) |
| Problem-loan coverage | 91 (stronger) | 90 |
| Peer percentile | 57th | 45th |
| Total assets | $627.6M | $479.4M |
| Deposits / shares | $558.3M | $438.7M |
| Capital ratio | 11.29% (stronger) | 10.41% |
| Problem loans | 0.63% (stronger) | 0.65% |
| Net charge-offs | 0.23% (stronger) | 0.62% |
| Return on assets | 1.15% (stronger) | 0.74% |
| Loans ÷ deposits | 86.0% | 69.6% (stronger) |
| Uninsured deposits | 11.0% | 8.2% (stronger) |
| Offices | 7 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.7% | 39.4% |
Emblem Credit Union has the higher TellerScore (72 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Emblem Credit Union leads on 5 and Winsouth Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.