Side-by-side · Q2 2026 data
Empire One Federal Credit Union vs Cambridge Municipal Employees Federal Credit Union
Credit union
Empire One Federal Credit Union
Cheektowaga, New York · Under $100 million in assets
Credit union
Cambridge Municipal Employees Federal Credit Union
Cambridge, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Empire One Federal Credit Union | Cambridge Municipal Employees Federal Credit Union |
|---|---|---|
| TellerScore | 62 | 97 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 89 | 96 (stronger) |
| Earnings | 0 | 88 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 24th | 98th |
| Total assets | $76.0M | $10.2M |
| Deposits / shares | $67.6M | $7.7M |
| Capital ratio | 10.11% | 24.81% (stronger) |
| Problem loans | 0.32% | 0.12% (stronger) |
| Net charge-offs | 0.14% | 0.00% (stronger) |
| Return on assets | -1.63% | 1.71% (stronger) |
| Loans ÷ deposits | 43.8% | 40.7% (stronger) |
| Uninsured deposits | 1.2% | 0.0% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cambridge Municipal Employees Federal Credit Union has the higher TellerScore (97 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Empire One Federal Credit Union leads on 0 and Cambridge Municipal Employees Federal Credit Union on 7. 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.