Side-by-side · Q2 2026 data
Sunwest Federal Credit Union vs Em Federal Credit Union
Metric by metric
| Measure | Sunwest Federal Credit Union | Em Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 86 (stronger) |
| Capital cushion | 60 | 100 (stronger) |
| Loan quality | 84 | 92 (stronger) |
| Earnings | 28 | 47 (stronger) |
| Funding & liquidity | 86 | 90 (stronger) |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 41st | 80th |
| Total assets | $525.2M | $11.7M |
| Deposits / shares | $458.2M | $9.8M |
| Capital ratio | 10.97% | 15.65% (stronger) |
| Problem loans | 0.48% | 0.24% (stronger) |
| Net charge-offs | 0.57% | -0.00% (stronger) |
| Return on assets | 0.19% | 0.67% (stronger) |
| Loans ÷ deposits | 74.4% | 70.7% (stronger) |
| Uninsured deposits | 5.0% | 2.6% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.3% | — |
Em Federal Credit Union has the higher TellerScore (86 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Sunwest Federal Credit Union leads on 0 and Em Federal Credit Union on 7. 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.