Side-by-side · Q2 2026 data
Emerald Empire Federal Credit Union vs Machinists - Boilermakers Federal Credit Union
Credit union
Emerald Empire Federal Credit Union
Springfield, Oregon · Under $100 million in assets
Credit union
Machinists - Boilermakers Federal Credit Union
Gladstone, Oregon · Under $100 million in assets
Metric by metric
| Measure | Emerald Empire Federal Credit Union | Machinists - Boilermakers Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 52 |
| Capital cushion | 100 (stronger) | 86 |
| Loan quality | 79 (stronger) | 23 |
| Earnings | 17 | 22 (stronger) |
| Funding & liquidity | 68 (stronger) | 57 |
| Problem-loan coverage | 95 (stronger) | 71 |
| Peer percentile | 47th | 11th |
| Total assets | $28.8M | $3.2M |
| Deposits / shares | $22.8M | $2.8M |
| Capital ratio | 20.16% (stronger) | 13.62% |
| Problem loans | 0.64% (stronger) | 2.30% |
| Net charge-offs | 0.67% | 0.10% (stronger) |
| Return on assets | -0.08% | 0.04% (stronger) |
| Loans ÷ deposits | 92.0% (stronger) | 103.6% |
| Uninsured deposits | 0.3% (stronger) | 4.9% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Emerald Empire Federal Credit Union has the higher TellerScore (73 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Emerald Empire Federal Credit Union leads on 5 and Machinists - Boilermakers Federal Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.