Side-by-side · Q2 2026 data
Scott Credit Union vs Empeople Credit Union
Metric by metric
| Measure | Scott Credit Union | Empeople Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 58 |
| Capital cushion | 51 (stronger) | 33 |
| Loan quality | 82 (stronger) | 80 |
| Earnings | 65 (stronger) | 50 |
| Funding & liquidity | 83 (stronger) | 62 |
| Problem-loan coverage | 93 (stronger) | 87 |
| Peer percentile | 62nd | 19th |
| Total assets | $1.9B | $2.3B |
| Deposits / shares | $1.6B | $2.0B |
| Capital ratio | 10.14% (stronger) | 8.31% |
| Problem loans | 0.54% (stronger) | 0.59% |
| Net charge-offs | 0.97% | 0.46% (stronger) |
| Return on assets | 1.14% (stronger) | 0.74% |
| Loans ÷ deposits | 77.7% (stronger) | 96.1% |
| Uninsured deposits | 6.8% (stronger) | 16.7% |
| Offices | 22 | 35 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.3% | 25.7% |
Scott Credit Union has the higher TellerScore (71 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Scott Credit Union leads on 6 and Empeople Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.