Side-by-side · Q2 2026 data
Emporia State Federal Credit Union vs Quantum Credit Union
Metric by metric
| Measure | Emporia State Federal Credit Union | Quantum Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 74 |
| Capital cushion | 57 | 64 (stronger) |
| Loan quality | 84 | 87 (stronger) |
| Earnings | 72 (stronger) | 64 |
| Funding & liquidity | 90 (stronger) | 72 |
| Problem-loan coverage | 94 | 94 |
| Peer percentile | 66th | 63rd |
| Total assets | $146.5M | $143.0M |
| Deposits / shares | $130.3M | $124.7M |
| Capital ratio | 10.74% | 11.39% (stronger) |
| Problem loans | 0.49% | 0.40% (stronger) |
| Net charge-offs | 0.11% (stronger) | 0.30% |
| Return on assets | 1.31% (stronger) | 1.11% |
| Loans ÷ deposits | 70.6% (stronger) | 88.4% |
| Uninsured deposits | 1.3% (stronger) | 4.9% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.4% |
Emporia State Federal Credit Union has the higher TellerScore (75 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Emporia State Federal Credit Union leads on 5 and Quantum Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.