Side-by-side · Q2 2026 data
Zenith Bank & Trust vs Em Federal Credit Union
Metric by metric
| Measure | Zenith Bank & Trust | Em Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 86 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 92 |
| Earnings | 23 | 47 (stronger) |
| Funding & liquidity | 41 | 90 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 64th | 80th |
| Total assets | $133.0M | $11.7M |
| Deposits / shares | $109.8M | $9.8M |
| Capital ratio | 17.91% (stronger) | 15.65% |
| Problem loans | 0.00% (stronger) | 0.24% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 0.08% | 0.67% (stronger) |
| Loans ÷ deposits | 69.6% (stronger) | 70.7% |
| Uninsured deposits | 60.5% | 2.6% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Em Federal Credit Union has the higher TellerScore (86 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Zenith Bank & Trust leads on 3 and Em Federal Credit Union on 4. 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.