Side-by-side · Q2 2026 data
Emerald Empire Federal Credit Union vs Northwest Adventist Federal Credit Union
Credit union
Emerald Empire Federal Credit Union
Springfield, Oregon · Under $100 million in assets
Credit union
Northwest Adventist Federal Credit Union
Portland, Oregon · Under $100 million in assets
Metric by metric
| Measure | Emerald Empire Federal Credit Union | Northwest Adventist Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 78 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 79 (stronger) | 76 |
| Earnings | 17 | 44 (stronger) |
| Funding & liquidity | 68 | 73 (stronger) |
| Problem-loan coverage | 95 (stronger) | 93 |
| Peer percentile | 47th | 59th |
| Total assets | $28.8M | $33.9M |
| Deposits / shares | $22.8M | $28.6M |
| Capital ratio | 20.16% (stronger) | 15.20% |
| Problem loans | 0.64% (stronger) | 0.71% |
| Net charge-offs | 0.67% | 0.09% (stronger) |
| Return on assets | -0.08% | 0.60% (stronger) |
| Loans ÷ deposits | 92.0% | 86.9% (stronger) |
| Uninsured deposits | 0.3% (stronger) | 5.6% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northwest Adventist Federal Credit Union has the higher TellerScore (78 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Emerald Empire Federal Credit Union leads on 3 and Northwest Adventist Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.