Side-by-side · Q2 2026 data
ESB Financial vs Credit Union of Emporia
Metric by metric
| Measure | ESB Financial | Credit Union of Emporia |
|---|---|---|
| TellerScore | 59 | 90 (stronger) |
| Capital cushion | 41 | 100 (stronger) |
| Loan quality | 47 | 81 (stronger) |
| Earnings | 88 (stronger) | 77 |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 75 | 98 (stronger) |
| Peer percentile | 17th | 89th |
| Total assets | $381.3M | $42.1M |
| Deposits / shares | $335.9M | $35.4M |
| Capital ratio | 9.07% | 15.31% (stronger) |
| Problem loans | 1.58% | 0.56% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.50% |
| Return on assets | 1.69% (stronger) | 1.44% |
| Loans ÷ deposits | 80.2% | 33.9% (stronger) |
| Uninsured deposits | 26.7% | 3.2% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.5% | — |
Credit Union of Emporia has the higher TellerScore (90 vs 59). On the 7 directional measures above (where higher or lower is clearly better), ESB Financial leads on 2 and Credit Union of Emporia on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.