Side-by-side · Q2 2026 data
Sage Federal Credit Union vs Embold Federal Credit Union
Metric by metric
| Measure | Sage Federal Credit Union | Embold Federal Credit Union |
|---|---|---|
| TellerScore | 62 (stronger) | 60 |
| Capital cushion | 51 | 51 |
| Loan quality | 71 (stronger) | 68 |
| Earnings | 38 (stronger) | 34 |
| Funding & liquidity | 81 | 81 |
| Problem-loan coverage | 87 (stronger) | 86 |
| Peer percentile | 26th | 21st |
| Total assets | $385.1M | $595.7M |
| Deposits / shares | $343.2M | $529.4M |
| Capital ratio | 10.10% | 10.10% |
| Problem loans | 0.86% (stronger) | 0.95% |
| Net charge-offs | 0.50% (stronger) | 1.06% |
| Return on assets | 0.44% (stronger) | 0.35% |
| Loans ÷ deposits | 79.3% (stronger) | 79.7% |
| Uninsured deposits | 8.1% | 7.8% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.5% |
Sage Federal Credit Union has the higher TellerScore (62 vs 60). On the 6 directional measures above (where higher or lower is clearly better), Sage Federal Credit Union leads on 5 and Embold Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.