Side-by-side · Q2 2026 data
Austin Telco Federal Credit Union vs Credit Union of Texas
Metric by metric
| Measure | Austin Telco Federal Credit Union | Credit Union of Texas |
|---|---|---|
| TellerScore | 78 (stronger) | 43 |
| Capital cushion | 90 (stronger) | 31 |
| Loan quality | 88 (stronger) | 47 |
| Earnings | 44 (stronger) | 22 |
| Funding & liquidity | 72 | 73 (stronger) |
| Problem-loan coverage | 96 (stronger) | 68 |
| Peer percentile | 84th | 2nd |
| Total assets | $2.5B | $2.6B |
| Deposits / shares | $2.1B | $2.3B |
| Capital ratio | 14.04% (stronger) | 8.13% |
| Problem loans | 0.35% (stronger) | 1.59% |
| Net charge-offs | 0.26% (stronger) | 1.32% |
| Return on assets | 0.60% (stronger) | 0.05% |
| Loans ÷ deposits | 88.0% | 87.5% (stronger) |
| Uninsured deposits | 9.1% (stronger) | 12.4% |
| Offices | 18 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 32.5% |
Austin Telco Federal Credit Union has the higher TellerScore (78 vs 43). On the 7 directional measures above (where higher or lower is clearly better), Austin Telco Federal Credit Union leads on 6 and Credit Union of Texas on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.