Side-by-side · Q2 2026 data
Empower Federal Credit Union vs Visions Federal Credit Union
Metric by metric
| Measure | Empower Federal Credit Union | Visions Federal Credit Union |
|---|---|---|
| TellerScore | 59 | 64 (stronger) |
| Capital cushion | 47 | 50 (stronger) |
| Loan quality | 65 | 70 (stronger) |
| Earnings | 52 (stronger) | 44 |
| Funding & liquidity | 68 | 89 (stronger) |
| Problem-loan coverage | 82 | 89 (stronger) |
| Peer percentile | 22nd | 36th |
| Total assets | $4.3B | $5.5B |
| Deposits / shares | $3.9B | $4.9B |
| Capital ratio | 9.67% | 10.00% (stronger) |
| Problem loans | 1.05% | 0.89% (stronger) |
| Net charge-offs | 0.72% | 0.36% (stronger) |
| Return on assets | 0.79% (stronger) | 0.59% |
| Loans ÷ deposits | 91.9% | 71.5% (stronger) |
| Uninsured deposits | 8.3% (stronger) | 9.9% |
| Offices | 11 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.2% | 32.6% |
Visions Federal Credit Union has the higher TellerScore (64 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Empower Federal Credit Union leads on 2 and Visions Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.