Side-by-side · Q2 2026 data
1st Community Federal Credit Union vs Texar Federal Credit Union
Metric by metric
| Measure | 1st Community Federal Credit Union | Texar Federal Credit Union |
|---|---|---|
| TellerScore | 58 | 81 (stronger) |
| Capital cushion | 86 | 100 (stronger) |
| Loan quality | 0 | 76 (stronger) |
| Earnings | 66 (stronger) | 52 |
| Funding & liquidity | 84 | 84 |
| Problem-loan coverage | 63 | 94 (stronger) |
| Peer percentile | 16th | 80th |
| Total assets | $421.8M | $440.5M |
| Deposits / shares | $361.9M | $335.3M |
| Capital ratio | 13.63% | 16.42% (stronger) |
| Problem loans | 3.73% | 0.72% (stronger) |
| Net charge-offs | 1.20% | 0.34% (stronger) |
| Return on assets | 1.14% (stronger) | 0.79% |
| Loans ÷ deposits | 76.5% | 76.5% (stronger) |
| Uninsured deposits | 6.8% (stronger) | 9.9% |
| Offices | 10 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.2% | 7.0% |
Texar Federal Credit Union has the higher TellerScore (81 vs 58). On the 7 directional measures above (where higher or lower is clearly better), 1st Community Federal Credit Union leads on 2 and Texar Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.