Side-by-side · Q2 2026 data
Sm Federal Credit Union vs Empower Blue Credit Union
Metric by metric
| Measure | Sm Federal Credit Union | Empower Blue Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 88 |
| Capital cushion | 100 | 100 |
| Loan quality | 92 | 97 (stronger) |
| Earnings | 70 (stronger) | 47 |
| Funding & liquidity | 81 | 98 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 87th | 85th |
| Total assets | $77.2M | $55.1M |
| Deposits / shares | $61.4M | $45.6M |
| Capital ratio | 19.98% (stronger) | 18.09% |
| Problem loans | 0.24% | 0.10% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.12% |
| Return on assets | 1.24% (stronger) | 0.68% |
| Loans ÷ deposits | 78.9% | 61.8% (stronger) |
| Uninsured deposits | 3.3% (stronger) | 7.6% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sm Federal Credit Union has the higher TellerScore (89 vs 88). On the 7 directional measures above (where higher or lower is clearly better), Sm Federal Credit Union leads on 5 and Empower Blue Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.