Side-by-side · Q2 2026 data
Emerald Empire Federal Credit Union vs Onpoint Community 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 | Onpoint Community Credit Union |
|---|---|---|
| TellerScore | 73 | 83 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 79 (stronger) | 67 |
| Earnings | 17 | 76 (stronger) |
| Funding & liquidity | 68 | 80 (stronger) |
| Problem-loan coverage | 95 (stronger) | 91 |
| Peer percentile | 47th | 92nd |
| Total assets | $28.8M | $9.5B |
| Deposits / shares | $22.8M | $7.9B |
| Capital ratio | 20.16% (stronger) | 15.00% |
| Problem loans | 0.64% (stronger) | 0.98% |
| Net charge-offs | 0.67% | 0.42% (stronger) |
| Return on assets | -0.08% | 1.41% (stronger) |
| Loans ÷ deposits | 92.0% | 80.0% (stronger) |
| Uninsured deposits | 0.3% (stronger) | 3.6% |
| Offices | 2 | 34 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 17.5% |
Onpoint Community 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 3 and Onpoint Community Credit Union on 4. 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.