Side-by-side · Q2 2026 data
Members Credit Union vs Emergency Responders Credit Union
Credit union
Members Credit Union
Winston Salem, North Carolina · $100 million – $1 billion
Credit union
Emergency Responders Credit Union
Winston Salem, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Members Credit Union | Emergency Responders Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 57 |
| Capital cushion | 98 (stronger) | 31 |
| Loan quality | 73 (stronger) | 72 |
| Earnings | 62 (stronger) | 50 |
| Funding & liquidity | 100 (stronger) | 73 |
| Problem-loan coverage | 95 (stronger) | 84 |
| Peer percentile | 87th | 17th |
| Total assets | $477.1M | $30.2M |
| Deposits / shares | $404.2M | $27.5M |
| Capital ratio | 14.83% (stronger) | 8.12% |
| Problem loans | 0.82% (stronger) | 0.84% |
| Net charge-offs | 1.39% (stronger) | 1.96% |
| Return on assets | 1.06% (stronger) | 0.75% |
| Loans ÷ deposits | 46.5% (stronger) | 87.4% |
| Uninsured deposits | 3.3% (stronger) | 11.3% |
| Offices | 16 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Members Credit Union has the higher TellerScore (85 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Members Credit Union leads on 7 and Emergency Responders Credit Union on 0. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.