Side-by-side · Q2 2026 data
Victoria Federal Credit Union vs E M O T Federal Credit Union
Metric by metric
| Measure | Victoria Federal Credit Union | E M O T Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 78 |
| Capital cushion | 78 | 100 (stronger) |
| Loan quality | 99 (stronger) | 43 |
| Earnings | 43 | 62 (stronger) |
| Funding & liquidity | 98 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 68th | 59th |
| Total assets | $9.4M | $9.2M |
| Deposits / shares | $8.3M | $5.5M |
| Capital ratio | 12.77% | 39.67% (stronger) |
| Problem loans | 0.04% (stronger) | 1.72% |
| Net charge-offs | 0.09% (stronger) | 1.62% |
| Return on assets | 0.56% | 1.05% (stronger) |
| Loans ÷ deposits | 62.7% | 50.9% (stronger) |
| Uninsured deposits | 0.0% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Victoria Federal Credit Union has the higher TellerScore (81 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Victoria Federal Credit Union leads on 3 and E M O T Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.