Side-by-side · Q2 2026 data
River City Bank vs Emblem Credit Union
Metric by metric
| Measure | River City Bank | Emblem Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 72 |
| Capital cushion | 51 | 63 (stronger) |
| Loan quality | 100 (stronger) | 79 |
| Earnings | 89 (stronger) | 66 |
| Funding & liquidity | 60 | 74 (stronger) |
| Problem-loan coverage | 100 (stronger) | 91 |
| Peer percentile | 68th | 57th |
| Total assets | $423.4M | $627.6M |
| Deposits / shares | $380.9M | $558.3M |
| Capital ratio | 10.15% | 11.29% (stronger) |
| Problem loans | 0.00% (stronger) | 0.63% |
| Net charge-offs | -0.02% (stronger) | 0.23% |
| Return on assets | 1.71% (stronger) | 1.15% |
| Loans ÷ deposits | 86.2% | 86.0% (stronger) |
| Uninsured deposits | 27.7% | 11.0% (stronger) |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.1% | 28.7% |
River City Bank has the higher TellerScore (77 vs 72). On the 7 directional measures above (where higher or lower is clearly better), River City Bank leads on 4 and Emblem Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.