Side-by-side · Q2 2026 data
The Commercial Bank vs Emerald Credit Association Federal Credit Union
Credit union
Emerald Credit Association Federal Credit Union
Greenwood, South Carolina · Under $100 million in assets
Metric by metric
| Measure | The Commercial Bank | Emerald Credit Association Federal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 64 |
| Capital cushion | 76 (stronger) | 34 |
| Loan quality | 75 | 100 (stronger) |
| Earnings | 51 (stronger) | 34 |
| Funding & liquidity | 97 (stronger) | 83 |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 64th | 28th |
| Total assets | $284.2M | $10.3M |
| Deposits / shares | $251.4M | $9.4M |
| Capital ratio | 12.65% (stronger) | 8.39% |
| Problem loans | 0.75% | 0.00% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.22% |
| Return on assets | 0.77% (stronger) | 0.35% |
| Loans ÷ deposits | 40.3% (stronger) | 77.3% |
| Uninsured deposits | 17.8% | 0.0% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Commercial Bank has the higher TellerScore (76 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The Commercial Bank leads on 5 and Emerald Credit Association Federal Credit Union on 2. 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.