Side-by-side · Q2 2026 data
Austin Federal Credit Union vs Lcra Credit Union
Metric by metric
| Measure | Austin Federal Credit Union | Lcra Credit Union |
|---|---|---|
| TellerScore | 58 | 83 (stronger) |
| Capital cushion | 43 | 100 (stronger) |
| Loan quality | 53 | 86 (stronger) |
| Earnings | 42 (stronger) | 34 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 87 | 94 (stronger) |
| Peer percentile | 19th | 72nd |
| Total assets | $38.4M | $20.2M |
| Deposits / shares | $34.6M | $17.0M |
| Capital ratio | 9.25% | 15.96% (stronger) |
| Problem loans | 1.40% | 0.41% (stronger) |
| Net charge-offs | 0.74% | 0.00% (stronger) |
| Return on assets | 0.56% (stronger) | 0.34% |
| Loans ÷ deposits | 47.2% | 40.4% (stronger) |
| Uninsured deposits | 4.8% | 3.9% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lcra Credit Union has the higher TellerScore (83 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Austin Federal Credit Union leads on 1 and Lcra Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.