Side-by-side · Q2 2026 data
Austin Telco Federal Credit Union vs First Community Credit Union
Metric by metric
| Measure | Austin Telco Federal Credit Union | First Community Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 58 |
| Capital cushion | 90 (stronger) | 30 |
| Loan quality | 88 (stronger) | 87 |
| Earnings | 44 | 54 (stronger) |
| Funding & liquidity | 72 (stronger) | 50 |
| Problem-loan coverage | 96 (stronger) | 90 |
| Peer percentile | 84th | 19th |
| Total assets | $2.5B | $3.1B |
| Deposits / shares | $2.1B | $2.0B |
| Capital ratio | 14.04% (stronger) | 7.98% |
| Problem loans | 0.35% (stronger) | 0.39% |
| Net charge-offs | 0.26% (stronger) | 0.49% |
| Return on assets | 0.60% | 0.85% (stronger) |
| Loans ÷ deposits | 88.0% (stronger) | 118.4% |
| Uninsured deposits | 9.1% (stronger) | 9.9% |
| Offices | 18 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Austin Telco Federal Credit Union has the higher TellerScore (78 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Austin Telco Federal Credit Union leads on 6 and First Community Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.