Side-by-side · Q2 2026 data
Inroads Federal Credit Union vs Embold Federal Credit Union
Credit union
Inroads Federal Credit Union
Saint Helens, Oregon · $100 million – $1 billion
Metric by metric
| Measure | Inroads Federal Credit Union | Embold Federal Credit Union |
|---|---|---|
| TellerScore | 45 | 60 (stronger) |
| Capital cushion | 31 | 51 (stronger) |
| Loan quality | 62 | 68 (stronger) |
| Earnings | 3 | 34 (stronger) |
| Funding & liquidity | 79 | 81 (stronger) |
| Problem-loan coverage | 79 | 86 (stronger) |
| Peer percentile | 3rd | 21st |
| Total assets | $340.0M | $595.7M |
| Deposits / shares | $313.2M | $529.4M |
| Capital ratio | 8.12% | 10.10% (stronger) |
| Problem loans | 1.15% | 0.95% (stronger) |
| Net charge-offs | 0.76% (stronger) | 1.06% |
| Return on assets | -0.44% | 0.35% (stronger) |
| Loans ÷ deposits | 81.2% | 79.7% (stronger) |
| Uninsured deposits | 8.1% | 7.8% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.5% | 23.5% |
Embold Federal Credit Union has the higher TellerScore (60 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Inroads Federal Credit Union leads on 1 and Embold Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.