Side-by-side · Q2 2026 data
Emerald Empire Federal Credit Union vs Gateway Credit Union
Credit union
Emerald Empire Federal Credit Union
Springfield, Oregon · Under $100 million in assets
Metric by metric
| Measure | Emerald Empire Federal Credit Union | Gateway Credit Union |
|---|---|---|
| TellerScore | 73 | 83 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 79 | 88 (stronger) |
| Earnings | 17 | 45 (stronger) |
| Funding & liquidity | 68 | 82 (stronger) |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 47th | 72nd |
| Total assets | $28.8M | $31.4M |
| Deposits / shares | $22.8M | $24.3M |
| Capital ratio | 20.16% | 21.85% (stronger) |
| Problem loans | 0.64% | 0.36% (stronger) |
| Net charge-offs | 0.67% | -0.03% (stronger) |
| Return on assets | -0.08% | 0.64% (stronger) |
| Loans ÷ deposits | 92.0% | 78.7% (stronger) |
| Uninsured deposits | 0.3% (stronger) | 3.1% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Gateway Credit Union has the higher TellerScore (83 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Emerald Empire Federal Credit Union leads on 1 and Gateway Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.