Side-by-side · Q2 2026 data
Austin Telco Federal Credit Union vs Texas Trust Credit Union
Metric by metric
| Measure | Austin Telco Federal Credit Union | Texas Trust Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 62 |
| Capital cushion | 90 (stronger) | 56 |
| Loan quality | 88 (stronger) | 69 |
| Earnings | 44 | 44 |
| Funding & liquidity | 72 (stronger) | 69 |
| Problem-loan coverage | 96 (stronger) | 85 |
| Peer percentile | 84th | 30th |
| Total assets | $2.5B | $2.1B |
| Deposits / shares | $2.1B | $1.7B |
| Capital ratio | 14.04% (stronger) | 10.55% |
| Problem loans | 0.35% (stronger) | 0.94% |
| Net charge-offs | 0.26% (stronger) | 1.11% |
| Return on assets | 0.60% | 0.60% (stronger) |
| Loans ÷ deposits | 88.0% (stronger) | 91.1% |
| Uninsured deposits | 9.1% | 7.7% (stronger) |
| Offices | 18 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Austin Telco Federal Credit Union has the higher TellerScore (78 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Austin Telco Federal Credit Union leads on 5 and Texas Trust Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.