Side-by-side · Q2 2026 data
Prescott Federal Credit Union vs Em Federal Credit Union
Credit union
Prescott Federal Credit Union
Prescott, Arizona · Under $100 million in assets
Metric by metric
| Measure | Prescott Federal Credit Union | Em Federal Credit Union |
|---|---|---|
| TellerScore | 49 | 86 (stronger) |
| Capital cushion | 11 | 100 (stronger) |
| Loan quality | 85 | 92 (stronger) |
| Earnings | 0 | 47 (stronger) |
| Funding & liquidity | 100 (stronger) | 90 |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 8th | 80th |
| Total assets | $11.1M | $11.7M |
| Deposits / shares | $10.4M | $9.8M |
| Capital ratio | 6.06% | 15.65% (stronger) |
| Problem loans | 0.46% | 0.24% (stronger) |
| Net charge-offs | 1.43% | -0.00% (stronger) |
| Return on assets | -1.87% | 0.67% (stronger) |
| Loans ÷ deposits | 43.0% (stronger) | 70.7% |
| Uninsured deposits | 0.0% (stronger) | 2.6% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Em Federal Credit Union has the higher TellerScore (86 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Prescott Federal Credit Union leads on 2 and Em Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.