Side-by-side · Q2 2026 data
Embold Federal Credit Union vs Central Willamette Credit Union
Metric by metric
| Measure | Embold Federal Credit Union | Central Willamette Credit Union |
|---|---|---|
| TellerScore | 60 | 77 (stronger) |
| Capital cushion | 51 | 94 (stronger) |
| Loan quality | 68 (stronger) | 66 |
| Earnings | 34 | 61 (stronger) |
| Funding & liquidity | 81 (stronger) | 77 |
| Problem-loan coverage | 86 | 89 (stronger) |
| Peer percentile | 21st | 71st |
| Total assets | $595.7M | $617.6M |
| Deposits / shares | $529.4M | $525.4M |
| Capital ratio | 10.10% | 14.39% (stronger) |
| Problem loans | 0.95% (stronger) | 1.02% |
| Net charge-offs | 1.06% | 0.86% (stronger) |
| Return on assets | 0.35% | 1.03% (stronger) |
| Loans ÷ deposits | 79.7% (stronger) | 83.4% |
| Uninsured deposits | 7.8% | 5.9% (stronger) |
| Offices | 3 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.5% | 23.3% |
Central Willamette Credit Union has the higher TellerScore (77 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Embold Federal Credit Union leads on 2 and Central Willamette Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.