Side-by-side · Q2 2026 data
Jovia Financial Federal Credit Union vs Empower Federal Credit Union
Credit union
Jovia Financial Federal Credit Union
Westbury, New York · $1 billion – $10 billion
Metric by metric
| Measure | Jovia Financial Federal Credit Union | Empower Federal Credit Union |
|---|---|---|
| TellerScore | 57 | 59 (stronger) |
| Capital cushion | 48 (stronger) | 47 |
| Loan quality | 57 | 65 (stronger) |
| Earnings | 50 | 52 (stronger) |
| Funding & liquidity | 72 (stronger) | 68 |
| Problem-loan coverage | 79 | 82 (stronger) |
| Peer percentile | 17th | 22nd |
| Total assets | $4.6B | $4.3B |
| Deposits / shares | $4.1B | $3.9B |
| Capital ratio | 9.79% (stronger) | 9.67% |
| Problem loans | 1.28% | 1.05% (stronger) |
| Net charge-offs | 0.60% (stronger) | 0.72% |
| Return on assets | 0.74% | 0.79% (stronger) |
| Loans ÷ deposits | 88.7% (stronger) | 91.9% |
| Uninsured deposits | 8.2% (stronger) | 8.3% |
| Offices | 12 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 17.2% |
Empower Federal Credit Union has the higher TellerScore (59 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Jovia Financial Federal Credit Union leads on 4 and Empower Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.