Side-by-side · Q2 2026 data
Empower Federal Credit Union vs Municipal Credit Union
Metric by metric
| Measure | Empower Federal Credit Union | Municipal Credit Union |
|---|---|---|
| TellerScore | 59 | 68 (stronger) |
| Capital cushion | 47 | 69 (stronger) |
| Loan quality | 65 (stronger) | 45 |
| Earnings | 52 | 76 (stronger) |
| Funding & liquidity | 68 | 85 (stronger) |
| Problem-loan coverage | 82 (stronger) | 81 |
| Peer percentile | 22nd | 50th |
| Total assets | $4.3B | $5.2B |
| Deposits / shares | $3.9B | $4.5B |
| Capital ratio | 9.67% | 11.93% (stronger) |
| Problem loans | 1.05% (stronger) | 1.66% |
| Net charge-offs | 0.72% (stronger) | 0.90% |
| Return on assets | 0.79% | 1.40% (stronger) |
| Loans ÷ deposits | 91.9% | 75.1% (stronger) |
| Uninsured deposits | 8.3% | 5.4% (stronger) |
| Offices | 11 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.2% | 40.3% |
Municipal Credit Union has the higher TellerScore (68 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Empower Federal Credit Union leads on 2 and Municipal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.