Side-by-side · Q2 2026 data
Empower Federal Credit Union vs Usalliance Federal Credit Union
Metric by metric
| Measure | Empower Federal Credit Union | Usalliance Federal Credit Union |
|---|---|---|
| TellerScore | 59 (stronger) | 53 |
| Capital cushion | 47 (stronger) | 33 |
| Loan quality | 65 | 72 (stronger) |
| Earnings | 52 (stronger) | 47 |
| Funding & liquidity | 68 (stronger) | 50 |
| Problem-loan coverage | 82 (stronger) | 80 |
| Peer percentile | 22nd | 10th |
| Total assets | $4.3B | $3.4B |
| Deposits / shares | $3.9B | $2.6B |
| Capital ratio | 9.67% (stronger) | 8.32% |
| Problem loans | 1.05% | 0.84% (stronger) |
| Net charge-offs | 0.72% | 0.32% (stronger) |
| Return on assets | 0.79% (stronger) | 0.67% |
| Loans ÷ deposits | 91.9% (stronger) | 116.0% |
| Uninsured deposits | 8.3% | 7.2% (stronger) |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.2% | 16.2% |
Empower Federal Credit Union has the higher TellerScore (59 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Empower Federal Credit Union leads on 4 and Usalliance Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.