Side-by-side · Q2 2026 data
Legacy Community Federal Credit Union vs Emblem Credit Union
Credit union
Legacy Community Federal Credit Union
Birmingham, Alabama · $100 million – $1 billion
Metric by metric
| Measure | Legacy Community Federal Credit Union | Emblem Credit Union |
|---|---|---|
| TellerScore | 69 | 72 (stronger) |
| Capital cushion | 83 (stronger) | 63 |
| Loan quality | 45 | 79 (stronger) |
| Earnings | 54 | 66 (stronger) |
| Funding & liquidity | 93 (stronger) | 74 |
| Problem-loan coverage | 84 | 91 (stronger) |
| Peer percentile | 48th | 57th |
| Total assets | $727.2M | $627.6M |
| Deposits / shares | $631.6M | $558.3M |
| Capital ratio | 13.28% (stronger) | 11.29% |
| Problem loans | 1.64% | 0.63% (stronger) |
| Net charge-offs | 0.31% | 0.23% (stronger) |
| Return on assets | 0.84% | 1.15% (stronger) |
| Loans ÷ deposits | 67.6% (stronger) | 86.0% |
| Uninsured deposits | 6.1% (stronger) | 11.0% |
| Offices | 7 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.8% | 28.7% |
Emblem Credit Union has the higher TellerScore (72 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Legacy Community Federal Credit Union leads on 3 and Emblem Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.