Side-by-side · Q2 2026 data
Emerald Empire Federal Credit Union vs Opc 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 | Opc Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 79 (stronger) |
| Capital cushion | 100 (stronger) | 98 |
| Loan quality | 79 (stronger) | 46 |
| Earnings | 17 | 100 (stronger) |
| Funding & liquidity | 68 (stronger) | 62 |
| Problem-loan coverage | 95 (stronger) | 83 |
| Peer percentile | 47th | 62nd |
| Total assets | $28.8M | $2.8M |
| Deposits / shares | $22.8M | $2.3M |
| Capital ratio | 20.16% (stronger) | 14.75% |
| Problem loans | 0.64% (stronger) | 1.63% |
| Net charge-offs | 0.67% | 0.00% (stronger) |
| Return on assets | -0.08% | 3.03% (stronger) |
| Loans ÷ deposits | 92.0% (stronger) | 97.8% |
| Uninsured deposits | 0.3% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Opc Federal Credit Union has the higher TellerScore (79 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Emerald Empire Federal Credit Union leads on 3 and Opc Federal 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.