Side-by-side · Q2 2026 data
The Fidelity Bank vs Emergency Responders Credit Union
Credit union
Emergency Responders Credit Union
Winston Salem, North Carolina · Under $100 million in assets
Metric by metric
| Measure | The Fidelity Bank | Emergency Responders Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 57 |
| Capital cushion | 65 (stronger) | 31 |
| Loan quality | 86 (stronger) | 72 |
| Earnings | 89 (stronger) | 50 |
| Funding & liquidity | 65 | 73 (stronger) |
| Problem-loan coverage | 94 (stronger) | 84 |
| Peer percentile | 86th | 17th |
| Total assets | $4.7B | $30.2M |
| Deposits / shares | $4.2B | $27.5M |
| Capital ratio | 11.47% (stronger) | 8.12% |
| Problem loans | 0.42% (stronger) | 0.84% |
| Net charge-offs | 0.06% (stronger) | 1.96% |
| Return on assets | 1.73% (stronger) | 0.75% |
| Loans ÷ deposits | 69.2% (stronger) | 87.4% |
| Uninsured deposits | 38.2% | 11.3% (stronger) |
| Offices | 57 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.7% | — |
The Fidelity Bank has the higher TellerScore (78 vs 57). On the 7 directional measures above (where higher or lower is clearly better), The Fidelity Bank leads on 6 and Emergency Responders Credit Union on 1. 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.