Side-by-side · Q2 2026 data
Advancial Federal Credit Union vs Credit Union of Texas
Metric by metric
| Measure | Advancial Federal Credit Union | Credit Union of Texas |
|---|---|---|
| TellerScore | 43 | 43 |
| Capital cushion | 30 | 31 (stronger) |
| Loan quality | 56 (stronger) | 47 |
| Earnings | 30 (stronger) | 22 |
| Funding & liquidity | 44 | 73 (stronger) |
| Problem-loan coverage | 71 (stronger) | 68 |
| Peer percentile | 2nd | 2nd |
| Total assets | $2.4B | $2.6B |
| Deposits / shares | $1.9B | $2.3B |
| Capital ratio | 7.98% | 8.13% (stronger) |
| Problem loans | 1.33% (stronger) | 1.59% |
| Net charge-offs | 0.74% (stronger) | 1.32% |
| Return on assets | 0.25% (stronger) | 0.05% |
| Loans ÷ deposits | 105.3% | 87.5% (stronger) |
| Uninsured deposits | 24.8% | 12.4% (stronger) |
| Offices | 8 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 32.5% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Advancial Federal Credit Union leads on 3 and Credit Union of Texas on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.