Side-by-side · Q2 2026 data
Emporia State Federal Credit Union vs Wichita Federal Credit Union
Metric by metric
| Measure | Emporia State Federal Credit Union | Wichita Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 63 |
| Capital cushion | 57 | 95 (stronger) |
| Loan quality | 84 (stronger) | 30 |
| Earnings | 72 (stronger) | 41 |
| Funding & liquidity | 90 (stronger) | 73 |
| Problem-loan coverage | 94 (stronger) | 79 |
| Peer percentile | 66th | 29th |
| Total assets | $146.5M | $280.5M |
| Deposits / shares | $130.3M | $237.3M |
| Capital ratio | 10.74% | 14.52% (stronger) |
| Problem loans | 0.49% (stronger) | 2.11% |
| Net charge-offs | 0.11% (stronger) | 2.19% |
| Return on assets | 1.31% (stronger) | 0.53% |
| Loans ÷ deposits | 70.6% (stronger) | 87.3% |
| Uninsured deposits | 1.3% (stronger) | 3.0% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.1% |
Emporia State Federal Credit Union has the higher TellerScore (75 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Emporia State Federal Credit Union leads on 6 and Wichita Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.