Side-by-side · Q2 2026 data
Selfreliance Federal Credit Union vs Empeople Credit Union
Metric by metric
| Measure | Selfreliance Federal Credit Union | Empeople Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 58 |
| Capital cushion | 73 (stronger) | 33 |
| Loan quality | 69 | 80 (stronger) |
| Earnings | 47 | 50 (stronger) |
| Funding & liquidity | 87 (stronger) | 62 |
| Problem-loan coverage | 90 (stronger) | 87 |
| Peer percentile | 62nd | 19th |
| Total assets | $1.2B | $2.3B |
| Deposits / shares | $986.0M | $2.0B |
| Capital ratio | 12.27% (stronger) | 8.31% |
| Problem loans | 0.92% | 0.59% (stronger) |
| Net charge-offs | 0.31% (stronger) | 0.46% |
| Return on assets | 0.68% | 0.74% (stronger) |
| Loans ÷ deposits | 73.5% (stronger) | 96.1% |
| Uninsured deposits | 11.9% (stronger) | 16.7% |
| Offices | 13 | 35 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.4% | 25.7% |
Selfreliance Federal Credit Union has the higher TellerScore (71 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Selfreliance Federal Credit Union leads on 5 and Empeople Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.