Side-by-side · Q2 2026 data
Sovita Credit Union vs Embers Credit Union
Metric by metric
| Measure | Sovita Credit Union | Embers Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 71 |
| Loan quality | 90 (stronger) | 79 |
| Earnings | 64 (stronger) | 62 |
| Funding & liquidity | 100 (stronger) | 85 |
| Problem-loan coverage | 99 (stronger) | 93 |
| Peer percentile | 95th | 68th |
| Total assets | $592.0M | $621.8M |
| Deposits / shares | $501.3M | $544.3M |
| Capital ratio | 16.10% (stronger) | 12.07% |
| Problem loans | 0.31% (stronger) | 0.64% |
| Net charge-offs | 0.09% (stronger) | 0.09% |
| Return on assets | 1.11% (stronger) | 1.06% |
| Loans ÷ deposits | 27.5% (stronger) | 75.1% |
| Uninsured deposits | 5.0% (stronger) | 5.2% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.7% | — |
Sovita Credit Union has the higher TellerScore (90 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Sovita Credit Union leads on 7 and Embers Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.