Side-by-side · Q2 2026 data
South Coast Ilwu Federal Credit Union vs Emerald Empire Federal Credit Union
Credit union
South Coast Ilwu Federal Credit Union
North Bend, Oregon · Under $100 million in assets
Credit union
Emerald Empire Federal Credit Union
Springfield, Oregon · Under $100 million in assets
Metric by metric
| Measure | South Coast Ilwu Federal Credit Union | Emerald Empire Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 73 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 79 |
| Earnings | 46 (stronger) | 17 |
| Funding & liquidity | 96 (stronger) | 68 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 87th | 47th |
| Total assets | $18.5M | $28.8M |
| Deposits / shares | $15.1M | $22.8M |
| Capital ratio | 18.21% | 20.16% (stronger) |
| Problem loans | 0.00% (stronger) | 0.64% |
| Net charge-offs | 0.06% (stronger) | 0.67% |
| Return on assets | 0.64% (stronger) | -0.08% |
| Loans ÷ deposits | 64.7% (stronger) | 92.0% |
| Uninsured deposits | 3.6% | 0.3% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
South Coast Ilwu Federal Credit Union has the higher TellerScore (89 vs 73). On the 7 directional measures above (where higher or lower is clearly better), South Coast Ilwu Federal Credit Union leads on 5 and Emerald Empire Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.