Side-by-side · Q2 2026 data
Austin Federal Credit Union vs Pecu Credit Union
Metric by metric
| Measure | Austin Federal Credit Union | Pecu Credit Union |
|---|---|---|
| TellerScore | 58 | 86 (stronger) |
| Capital cushion | 43 | 98 (stronger) |
| Loan quality | 53 | 84 (stronger) |
| Earnings | 42 | 57 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 87 | 96 (stronger) |
| Peer percentile | 19th | 89th |
| Total assets | $38.4M | $431.4M |
| Deposits / shares | $34.6M | $368.7M |
| Capital ratio | 9.25% | 14.78% (stronger) |
| Problem loans | 1.40% | 0.47% (stronger) |
| Net charge-offs | 0.74% | 0.45% (stronger) |
| Return on assets | 0.56% | 0.92% (stronger) |
| Loans ÷ deposits | 47.2% (stronger) | 60.6% |
| Uninsured deposits | 4.8% (stronger) | 10.9% |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Pecu Credit Union has the higher TellerScore (86 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Austin Federal Credit Union leads on 2 and Pecu Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.