Side-by-side · Q2 2026 data
First Bank of Boaz vs Emblem Credit Union
Metric by metric
| Measure | First Bank of Boaz | Emblem Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 72 |
| Capital cushion | 100 (stronger) | 63 |
| Loan quality | 98 (stronger) | 79 |
| Earnings | 54 | 66 (stronger) |
| Funding & liquidity | 85 (stronger) | 74 |
| Problem-loan coverage | 100 (stronger) | 91 |
| Peer percentile | 92nd | 57th |
| Total assets | $239.8M | $627.6M |
| Deposits / shares | $208.0M | $558.3M |
| Capital ratio | 19.66% (stronger) | 11.29% |
| Problem loans | 0.05% (stronger) | 0.63% |
| Net charge-offs | -0.01% (stronger) | 0.23% |
| Return on assets | 0.85% | 1.15% (stronger) |
| Loans ÷ deposits | 33.2% (stronger) | 86.0% |
| Uninsured deposits | 29.0% | 11.0% (stronger) |
| Offices | 1 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 28.7% |
First Bank of Boaz has the higher TellerScore (88 vs 72). On the 7 directional measures above (where higher or lower is clearly better), First Bank of Boaz leads on 5 and Emblem Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.