Side-by-side · Q2 2026 data
FirstState Bank vs Emblem Credit Union
Metric by metric
| Measure | FirstState Bank | Emblem Credit Union |
|---|---|---|
| TellerScore | 70 | 72 (stronger) |
| Capital cushion | 61 | 63 (stronger) |
| Loan quality | 76 | 79 (stronger) |
| Earnings | 51 | 66 (stronger) |
| Funding & liquidity | 95 (stronger) | 74 |
| Problem-loan coverage | 87 | 91 (stronger) |
| Peer percentile | 43rd | 57th |
| Total assets | $349.4M | $627.6M |
| Deposits / shares | $323.9M | $558.3M |
| Capital ratio | 11.14% | 11.29% (stronger) |
| Problem loans | 0.72% | 0.63% (stronger) |
| Net charge-offs | 0.16% (stronger) | 0.23% |
| Return on assets | 0.77% | 1.15% (stronger) |
| Loans ÷ deposits | 46.6% (stronger) | 86.0% |
| Uninsured deposits | 19.7% | 11.0% (stronger) |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 28.7% |
Emblem Credit Union has the higher TellerScore (72 vs 70). On the 7 directional measures above (where higher or lower is clearly better), FirstState Bank leads on 2 and Emblem Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.