Side-by-side · Q2 2026 data
1st Community Federal Credit Union vs Cy-Fair Federal Credit Union
Metric by metric
| Measure | 1st Community Federal Credit Union | Cy-Fair Federal Credit Union |
|---|---|---|
| TellerScore | 58 | 65 (stronger) |
| Capital cushion | 86 (stronger) | 45 |
| Loan quality | 0 | 58 (stronger) |
| Earnings | 66 | 76 (stronger) |
| Funding & liquidity | 84 | 89 (stronger) |
| Problem-loan coverage | 63 | 82 (stronger) |
| Peer percentile | 16th | 34th |
| Total assets | $421.8M | $383.5M |
| Deposits / shares | $361.9M | $346.1M |
| Capital ratio | 13.63% (stronger) | 9.54% |
| Problem loans | 3.73% | 1.26% (stronger) |
| Net charge-offs | 1.20% | 0.86% (stronger) |
| Return on assets | 1.14% | 1.39% (stronger) |
| Loans ÷ deposits | 76.5% | 71.2% (stronger) |
| Uninsured deposits | 6.8% | 3.3% (stronger) |
| Offices | 10 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.2% | 8.3% |
Cy-Fair Federal Credit Union has the higher TellerScore (65 vs 58). On the 7 directional measures above (where higher or lower is clearly better), 1st Community Federal Credit Union leads on 1 and Cy-Fair Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.