Side-by-side · Q2 2026 data
Embold Federal Credit Union vs First Community Credit Union
Metric by metric
| Measure | Embold Federal Credit Union | First Community Credit Union |
|---|---|---|
| TellerScore | 60 | 86 (stronger) |
| Capital cushion | 51 | 83 (stronger) |
| Loan quality | 68 | 99 (stronger) |
| Earnings | 34 | 72 (stronger) |
| Funding & liquidity | 81 (stronger) | 79 |
| Problem-loan coverage | 86 | 99 (stronger) |
| Peer percentile | 21st | 95th |
| Total assets | $595.7M | $1.9B |
| Deposits / shares | $529.4M | $1.6B |
| Capital ratio | 10.10% | 13.29% (stronger) |
| Problem loans | 0.95% | 0.04% (stronger) |
| Net charge-offs | 1.06% | 0.04% (stronger) |
| Return on assets | 0.35% | 1.31% (stronger) |
| Loans ÷ deposits | 79.7% (stronger) | 81.0% |
| Uninsured deposits | 7.8% | 6.3% (stronger) |
| Offices | 3 | 26 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.5% | — |
First Community Credit Union has the higher TellerScore (86 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Embold Federal Credit Union leads on 1 and First Community Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.