Side-by-side · Q2 2026 data
Shuford Federal Credit Union vs Emergency Responders Credit Union
Credit union
Shuford Federal Credit Union
Hickory, North Carolina · Under $100 million in assets
Credit union
Emergency Responders Credit Union
Winston Salem, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Shuford Federal Credit Union | Emergency Responders Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 57 |
| Capital cushion | 87 (stronger) | 31 |
| Loan quality | 70 | 72 (stronger) |
| Earnings | 65 (stronger) | 50 |
| Funding & liquidity | 66 | 73 (stronger) |
| Problem-loan coverage | 89 (stronger) | 84 |
| Peer percentile | 52nd | 17th |
| Total assets | $36.1M | $30.2M |
| Deposits / shares | $30.5M | $27.5M |
| Capital ratio | 13.71% (stronger) | 8.12% |
| Problem loans | 0.89% | 0.84% (stronger) |
| Net charge-offs | 0.13% (stronger) | 1.96% |
| Return on assets | 1.14% (stronger) | 0.75% |
| Loans ÷ deposits | 93.9% | 87.4% (stronger) |
| Uninsured deposits | 3.7% (stronger) | 11.3% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Shuford Federal Credit Union has the higher TellerScore (75 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Shuford Federal Credit Union leads on 5 and Emergency Responders Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.