Side-by-side · Q2 2026 data
Omni Community Credit Union vs Embers Credit Union
Credit union
Omni Community Credit Union
Battle Creek, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Omni Community Credit Union | Embers Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 71 |
| Loan quality | 75 | 79 (stronger) |
| Earnings | 88 (stronger) | 62 |
| Funding & liquidity | 93 (stronger) | 85 |
| Problem-loan coverage | 94 (stronger) | 93 |
| Peer percentile | 95th | 68th |
| Total assets | $662.0M | $621.8M |
| Deposits / shares | $553.8M | $544.3M |
| Capital ratio | 16.32% (stronger) | 12.07% |
| Problem loans | 0.75% | 0.64% (stronger) |
| Net charge-offs | 0.88% | 0.09% (stronger) |
| Return on assets | 1.71% (stronger) | 1.06% |
| Loans ÷ deposits | 66.9% (stronger) | 75.1% |
| Uninsured deposits | 8.2% | 5.2% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Omni Community Credit Union has the higher TellerScore (90 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Omni Community Credit Union leads on 4 and Embers Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.