Side-by-side · Q2 2026 data
Caprock Federal Credit Union vs Keystone Credit Union
Metric by metric
| Measure | Caprock Federal Credit Union | Keystone Credit Union |
|---|---|---|
| TellerScore | 56 | 80 (stronger) |
| Capital cushion | 65 | 100 (stronger) |
| Loan quality | 52 | 77 (stronger) |
| Earnings | 22 | 55 (stronger) |
| Funding & liquidity | 76 (stronger) | 65 |
| Problem-loan coverage | 80 | 97 (stronger) |
| Peer percentile | 16th | 65th |
| Total assets | $40.4M | $40.2M |
| Deposits / shares | $35.5M | $29.1M |
| Capital ratio | 11.54% | 27.38% (stronger) |
| Problem loans | 1.43% | 0.68% (stronger) |
| Net charge-offs | 0.20% | 0.03% (stronger) |
| Return on assets | 0.05% | 0.87% (stronger) |
| Loans ÷ deposits | 83.6% (stronger) | 95.3% |
| Uninsured deposits | 15.4% | 5.1% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Keystone Credit Union has the higher TellerScore (80 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Caprock Federal Credit Union leads on 1 and Keystone Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.