Side-by-side · Q2 2026 data
Medina County Federal Credit Union vs Emerald Credit Union, Inc.
Credit union
Medina County Federal Credit Union
Wadsworth, Ohio · $100 million – $1 billion
Credit union
Emerald Credit Union, Inc.
Garfield Hts, Ohio · Under $100 million in assets
Metric by metric
| Measure | Medina County Federal Credit Union | Emerald Credit Union, Inc. |
|---|---|---|
| TellerScore | 88 (stronger) | 45 |
| Capital cushion | 73 (stronger) | 39 |
| Loan quality | 97 (stronger) | 45 |
| Earnings | 88 (stronger) | 0 |
| Funding & liquidity | 93 | 96 (stronger) |
| Problem-loan coverage | 99 (stronger) | 78 |
| Peer percentile | 92nd | 5th |
| Total assets | $151.3M | $32.7M |
| Deposits / shares | $135.6M | $29.2M |
| Capital ratio | 12.33% (stronger) | 8.86% |
| Problem loans | 0.09% (stronger) | 1.66% |
| Net charge-offs | -0.08% (stronger) | 1.86% |
| Return on assets | 1.69% (stronger) | -0.51% |
| Loans ÷ deposits | 67.5% | 64.7% (stronger) |
| Uninsured deposits | 1.3% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Medina County Federal Credit Union has the higher TellerScore (88 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Medina County Federal Credit Union leads on 5 and Emerald Credit Union, Inc. on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.