Side-by-side · Q2 2026 data
Southwest Heritage Bank vs Em Federal Credit Union
Metric by metric
| Measure | Southwest Heritage Bank | Em Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 86 (stronger) |
| Capital cushion | 84 | 100 (stronger) |
| Loan quality | 78 | 92 (stronger) |
| Earnings | 56 (stronger) | 47 |
| Funding & liquidity | 50 | 90 (stronger) |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 53rd | 80th |
| Total assets | $892.8M | $11.7M |
| Deposits / shares | $753.6M | $9.8M |
| Capital ratio | 13.36% | 15.65% (stronger) |
| Problem loans | 0.67% | 0.24% (stronger) |
| Net charge-offs | 0.29% | -0.00% (stronger) |
| Return on assets | 0.90% (stronger) | 0.67% |
| Loans ÷ deposits | 92.7% | 70.7% (stronger) |
| Uninsured deposits | 30.8% | 2.6% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Em Federal Credit Union has the higher TellerScore (86 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Southwest Heritage Bank leads on 1 and Em Federal Credit Union on 6. 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.