Side-by-side · Q2 2026 data
Redstone Federal Credit Union vs Emblem Credit Union
Metric by metric
| Measure | Redstone Federal Credit Union | Emblem Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 72 |
| Capital cushion | 89 (stronger) | 63 |
| Loan quality | 77 | 79 (stronger) |
| Earnings | 75 (stronger) | 66 |
| Funding & liquidity | 100 (stronger) | 74 |
| Problem-loan coverage | 95 (stronger) | 91 |
| Peer percentile | 94th | 57th |
| Total assets | $8.6B | $627.6M |
| Deposits / shares | $7.5B | $558.3M |
| Capital ratio | 13.86% (stronger) | 11.29% |
| Problem loans | 0.70% | 0.63% (stronger) |
| Net charge-offs | 0.96% | 0.23% (stronger) |
| Return on assets | 1.38% (stronger) | 1.15% |
| Loans ÷ deposits | 49.3% (stronger) | 86.0% |
| Uninsured deposits | 7.2% (stronger) | 11.0% |
| Offices | 20 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.2% | 28.7% |
Redstone Federal Credit Union has the higher TellerScore (85 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Redstone Federal Credit Union leads on 5 and Emblem Credit Union on 2. 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.