Side-by-side · Q2 2026 data
Emerald Empire Federal Credit Union vs Ibew/Sj Cascade Federal 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 | Ibew/Sj Cascade Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 82 (stronger) |
| Capital cushion | 100 (stronger) | 91 |
| Loan quality | 79 (stronger) | 56 |
| Earnings | 17 | 92 (stronger) |
| Funding & liquidity | 68 | 88 (stronger) |
| Problem-loan coverage | 95 (stronger) | 89 |
| Peer percentile | 47th | 70th |
| Total assets | $28.8M | $22.5M |
| Deposits / shares | $22.8M | $19.2M |
| Capital ratio | 20.16% (stronger) | 14.11% |
| Problem loans | 0.64% (stronger) | 1.31% |
| Net charge-offs | 0.67% (stronger) | 0.93% |
| Return on assets | -0.08% | 1.80% (stronger) |
| Loans ÷ deposits | 92.0% | 71.8% (stronger) |
| Uninsured deposits | 0.3% (stronger) | 7.4% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ibew/Sj Cascade Federal Credit Union has the higher TellerScore (82 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Emerald Empire Federal Credit Union leads on 4 and Ibew/Sj Cascade Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.