Side-by-side · Q2 2026 data
1st Community Federal Credit Union vs Texas Tech Federal Credit Union
Metric by metric
| Measure | 1st Community Federal Credit Union | Texas Tech Federal Credit Union |
|---|---|---|
| TellerScore | 58 | 69 (stronger) |
| Capital cushion | 86 (stronger) | 57 |
| Loan quality | 0 | 86 (stronger) |
| Earnings | 66 (stronger) | 52 |
| Funding & liquidity | 84 (stronger) | 73 |
| Problem-loan coverage | 63 | 87 (stronger) |
| Peer percentile | 16th | 48th |
| Total assets | $421.8M | $450.8M |
| Deposits / shares | $361.9M | $392.8M |
| Capital ratio | 13.63% (stronger) | 10.73% |
| Problem loans | 3.73% | 0.42% (stronger) |
| Net charge-offs | 1.20% | 0.30% (stronger) |
| Return on assets | 1.14% (stronger) | 0.80% |
| Loans ÷ deposits | 76.5% (stronger) | 87.0% |
| Uninsured deposits | 6.8% (stronger) | 9.6% |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.2% | 1.2% |
Texas Tech Federal Credit Union has the higher TellerScore (69 vs 58). On the 7 directional measures above (where higher or lower is clearly better), 1st Community Federal Credit Union leads on 4 and Texas Tech Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.