Side-by-side · Q2 2026 data
Ziegler Federal Credit Union vs Electric Machinery Employees Credit Union
Credit union
Ziegler Federal Credit Union
Bloomington, Minnesota · Under $100 million in assets
Credit union
Electric Machinery Employees Credit Union
Minneapolis, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Ziegler Federal Credit Union | Electric Machinery Employees Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 71 |
| Capital cushion | 100 | 100 |
| Loan quality | 64 (stronger) | 60 |
| Earnings | 88 (stronger) | 5 |
| Funding & liquidity | 91 | 100 (stronger) |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 83rd | 42nd |
| Total assets | $4.3M | $8.4M |
| Deposits / shares | $3.2M | $6.3M |
| Capital ratio | 26.88% (stronger) | 24.60% |
| Problem loans | 1.09% (stronger) | 1.20% |
| Net charge-offs | 0.10% | -0.00% (stronger) |
| Return on assets | 1.71% (stronger) | -0.38% |
| Loans ÷ deposits | 69.0% | 58.3% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ziegler Federal Credit Union has the higher TellerScore (87 vs 71). On the 6 directional measures above (where higher or lower is clearly better), Ziegler Federal Credit Union leads on 4 and Electric Machinery Employees Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.