Side-by-side · Q2 2026 data
Caprock Federal Credit Union vs Austin Federal Credit Union
Metric by metric
| Measure | Caprock Federal Credit Union | Austin Federal Credit Union |
|---|---|---|
| TellerScore | 56 | 58 (stronger) |
| Capital cushion | 65 (stronger) | 43 |
| Loan quality | 52 | 53 (stronger) |
| Earnings | 22 | 42 (stronger) |
| Funding & liquidity | 76 | 100 (stronger) |
| Problem-loan coverage | 80 | 87 (stronger) |
| Peer percentile | 16th | 19th |
| Total assets | $40.4M | $38.4M |
| Deposits / shares | $35.5M | $34.6M |
| Capital ratio | 11.54% (stronger) | 9.25% |
| Problem loans | 1.43% | 1.40% (stronger) |
| Net charge-offs | 0.20% (stronger) | 0.74% |
| Return on assets | 0.05% | 0.56% (stronger) |
| Loans ÷ deposits | 83.6% | 47.2% (stronger) |
| Uninsured deposits | 15.4% | 4.8% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Austin Federal Credit Union has the higher TellerScore (58 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Caprock Federal Credit Union leads on 2 and Austin Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.