Side-by-side · Q2 2026 data
Emergency Responders Credit Union vs Cs Credit Union
Credit union
Emergency Responders Credit Union
Winston Salem, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Emergency Responders Credit Union | Cs Credit Union |
|---|---|---|
| TellerScore | 57 | 84 (stronger) |
| Capital cushion | 31 | 100 (stronger) |
| Loan quality | 72 | 85 (stronger) |
| Earnings | 50 (stronger) | 40 |
| Funding & liquidity | 73 | 97 (stronger) |
| Problem-loan coverage | 84 | 97 (stronger) |
| Peer percentile | 17th | 75th |
| Total assets | $30.2M | $30.5M |
| Deposits / shares | $27.5M | $25.3M |
| Capital ratio | 8.12% | 18.69% (stronger) |
| Problem loans | 0.84% | 0.46% (stronger) |
| Net charge-offs | 1.96% | 0.20% (stronger) |
| Return on assets | 0.75% (stronger) | 0.50% |
| Loans ÷ deposits | 87.4% | 63.6% (stronger) |
| Uninsured deposits | 11.3% | 1.1% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cs Credit Union has the higher TellerScore (84 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Emergency Responders Credit Union leads on 1 and Cs Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.