Side-by-side · Q2 2026 data
State Farm Federal Credit Union vs Empeople Credit Union
Metric by metric
| Measure | State Farm Federal Credit Union | Empeople Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 58 |
| Capital cushion | 80 (stronger) | 33 |
| Loan quality | 90 (stronger) | 80 |
| Earnings | 38 | 50 (stronger) |
| Funding & liquidity | 100 (stronger) | 62 |
| Problem-loan coverage | 99 (stronger) | 87 |
| Peer percentile | 86th | 19th |
| Total assets | $5.7B | $2.3B |
| Deposits / shares | $5.0B | $2.0B |
| Capital ratio | 13.03% (stronger) | 8.31% |
| Problem loans | 0.31% (stronger) | 0.59% |
| Net charge-offs | 0.45% (stronger) | 0.46% |
| Return on assets | 0.46% | 0.74% (stronger) |
| Loans ÷ deposits | 20.2% (stronger) | 96.1% |
| Uninsured deposits | 13.7% (stronger) | 16.7% |
| Offices | 1 | 35 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 25.7% |
State Farm Federal Credit Union has the higher TellerScore (79 vs 58). On the 7 directional measures above (where higher or lower is clearly better), State Farm Federal Credit Union leads on 6 and Empeople Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.