Side-by-side · Q2 2026 data
Empower Federal Credit Union vs Americu Credit Union
Metric by metric
| Measure | Empower Federal Credit Union | Americu Credit Union |
|---|---|---|
| TellerScore | 59 (stronger) | 48 |
| Capital cushion | 47 (stronger) | 46 |
| Loan quality | 65 (stronger) | 37 |
| Earnings | 52 (stronger) | 47 |
| Funding & liquidity | 68 (stronger) | 63 |
| Problem-loan coverage | 82 (stronger) | 65 |
| Peer percentile | 22nd | 4th |
| Total assets | $4.3B | $3.0B |
| Deposits / shares | $3.9B | $2.7B |
| Capital ratio | 9.67% (stronger) | 9.56% |
| Problem loans | 1.05% (stronger) | 1.89% |
| Net charge-offs | 0.72% (stronger) | 0.95% |
| Return on assets | 0.79% (stronger) | 0.69% |
| Loans ÷ deposits | 91.9% (stronger) | 96.8% |
| Uninsured deposits | 8.3% (stronger) | 10.3% |
| Offices | 11 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.2% | 28.4% |
Empower Federal Credit Union has the higher TellerScore (59 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Empower Federal Credit Union leads on 7 and Americu Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.