Side-by-side · Q2 2026 data
Service Plus Credit Union vs Empeople Credit Union
Metric by metric
| Measure | Service Plus Credit Union | Empeople Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 58 |
| Capital cushion | 73 (stronger) | 33 |
| Loan quality | 85 (stronger) | 80 |
| Earnings | 65 (stronger) | 50 |
| Funding & liquidity | 100 (stronger) | 62 |
| Problem-loan coverage | 96 (stronger) | 87 |
| Peer percentile | 68th | 19th |
| Total assets | $34.7M | $2.3B |
| Deposits / shares | $30.4M | $2.0B |
| Capital ratio | 12.29% (stronger) | 8.31% |
| Problem loans | 0.46% (stronger) | 0.59% |
| Net charge-offs | 0.55% | 0.46% (stronger) |
| Return on assets | 1.12% (stronger) | 0.74% |
| Loans ÷ deposits | 59.5% (stronger) | 96.1% |
| Uninsured deposits | 2.8% (stronger) | 16.7% |
| Offices | 1 | 35 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 25.7% |
Service Plus Credit Union has the higher TellerScore (81 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Service Plus Credit Union leads on 6 and Empeople Credit Union on 1. 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.