Side-by-side · Q2 2026 data
Empower Federal Credit Union vs Teachers Federal Credit Union
Metric by metric
| Measure | Empower Federal Credit Union | Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 59 | 66 (stronger) |
| Capital cushion | 47 | 60 (stronger) |
| Loan quality | 65 (stronger) | 60 |
| Earnings | 52 | 55 (stronger) |
| Funding & liquidity | 68 | 89 (stronger) |
| Problem-loan coverage | 82 | 87 (stronger) |
| Peer percentile | 22nd | 44th |
| Total assets | $4.3B | $9.9B |
| Deposits / shares | $3.9B | $8.2B |
| Capital ratio | 9.67% | 11.03% (stronger) |
| Problem loans | 1.05% (stronger) | 1.19% |
| Net charge-offs | 0.72% (stronger) | 1.12% |
| Return on assets | 0.79% | 0.89% (stronger) |
| Loans ÷ deposits | 91.9% | 70.9% (stronger) |
| Uninsured deposits | 8.3% (stronger) | 8.8% |
| Offices | 11 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.2% | 15.1% |
Teachers Federal Credit Union has the higher TellerScore (66 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Empower Federal Credit Union leads on 3 and Teachers Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.