Side-by-side · Q2 2026 data
Chemcel Federal Credit Union vs Government Employees Federal Credit Union
Credit union
Government Employees Federal Credit Union
Austin, Texas · $100 million – $1 billion
Metric by metric
| Measure | Chemcel Federal Credit Union | Government Employees Federal Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 72 |
| Capital cushion | 71 (stronger) | 57 |
| Loan quality | 75 (stronger) | 72 |
| Earnings | 52 | 62 (stronger) |
| Funding & liquidity | 96 | 100 (stronger) |
| Problem-loan coverage | 93 (stronger) | 92 |
| Peer percentile | 63rd | 57th |
| Total assets | $184.0M | $189.4M |
| Deposits / shares | $159.9M | $169.5M |
| Capital ratio | 12.11% (stronger) | 10.73% |
| Problem loans | 0.75% (stronger) | 0.83% |
| Net charge-offs | 0.82% | 0.05% (stronger) |
| Return on assets | 0.80% | 1.05% (stronger) |
| Loans ÷ deposits | 64.1% | 56.5% (stronger) |
| Uninsured deposits | 4.2% (stronger) | 5.3% |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Chemcel Federal Credit Union has the higher TellerScore (74 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Chemcel Federal Credit Union leads on 4 and Government Employees Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.