Side-by-side · Q2 2026 data
Embold Federal Credit Union vs Wauna Federal Credit Union
Metric by metric
| Measure | Embold Federal Credit Union | Wauna Federal Credit Union |
|---|---|---|
| TellerScore | 60 (stronger) | 58 |
| Capital cushion | 51 (stronger) | 42 |
| Loan quality | 68 | 74 (stronger) |
| Earnings | 34 | 38 (stronger) |
| Funding & liquidity | 81 (stronger) | 74 |
| Problem-loan coverage | 86 (stronger) | 84 |
| Peer percentile | 21st | 16th |
| Total assets | $595.7M | $398.2M |
| Deposits / shares | $529.4M | $359.3M |
| Capital ratio | 10.10% (stronger) | 9.18% |
| Problem loans | 0.95% | 0.78% (stronger) |
| Net charge-offs | 1.06% | 0.83% (stronger) |
| Return on assets | 0.35% | 0.45% (stronger) |
| Loans ÷ deposits | 79.7% (stronger) | 86.0% |
| Uninsured deposits | 7.8% | 7.7% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.5% | 17.1% |
Embold Federal Credit Union has the higher TellerScore (60 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Embold Federal Credit Union leads on 3 and Wauna Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.