Side-by-side · Q2 2026 data
USAA Federal Savings Bank vs Em Federal Credit Union
Metric by metric
| Measure | USAA Federal Savings Bank | Em Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 86 (stronger) |
| Capital cushion | 43 | 100 (stronger) |
| Loan quality | 64 | 92 (stronger) |
| Earnings | 56 (stronger) | 47 |
| Funding & liquidity | 100 (stronger) | 90 |
| Problem-loan coverage | 87 | 98 (stronger) |
| Peer percentile | 73rd | 80th |
| Total assets | $106.2B | $11.7M |
| Deposits / shares | $92.0B | $9.8M |
| Capital ratio | 9.29% | 15.65% (stronger) |
| Problem loans | 1.07% | 0.24% (stronger) |
| Net charge-offs | 2.08% | -0.00% (stronger) |
| Return on assets | 0.90% (stronger) | 0.67% |
| Loans ÷ deposits | 48.2% (stronger) | 70.7% |
| Uninsured deposits | 5.2% | 2.6% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 37.2% | — |
Em Federal Credit Union has the higher TellerScore (86 vs 64). On the 7 directional measures above (where higher or lower is clearly better), USAA Federal Savings Bank leads on 2 and Em Federal Credit Union on 5. 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.