Side-by-side · Q2 2026 data
Piedmont Federal Savings Bank vs Emergency Responders Credit Union
Credit union
Emergency Responders Credit Union
Winston Salem, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Piedmont Federal Savings Bank | Emergency Responders Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 57 |
| Capital cushion | 100 (stronger) | 31 |
| Loan quality | 95 (stronger) | 72 |
| Earnings | 28 | 50 (stronger) |
| Funding & liquidity | 58 | 73 (stronger) |
| Problem-loan coverage | 99 (stronger) | 84 |
| Peer percentile | 86th | 17th |
| Total assets | $1.3B | $30.2M |
| Deposits / shares | $973.7M | $27.5M |
| Capital ratio | 18.60% (stronger) | 8.12% |
| Problem loans | 0.16% (stronger) | 0.84% |
| Net charge-offs | 0.00% (stronger) | 1.96% |
| Return on assets | 0.21% | 0.75% (stronger) |
| Loans ÷ deposits | 93.5% | 87.4% (stronger) |
| Uninsured deposits | 23.2% | 11.3% (stronger) |
| Offices | 10 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.6% | — |
Piedmont Federal Savings Bank has the higher TellerScore (78 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Piedmont Federal Savings Bank leads on 4 and Emergency Responders Credit Union on 3. 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.