Side-by-side · Q2 2026 data
Chemcel Federal Credit Union vs Lone Star Credit Union
Metric by metric
| Measure | Chemcel Federal Credit Union | Lone Star Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 65 |
| Capital cushion | 71 (stronger) | 39 |
| Loan quality | 75 | 92 (stronger) |
| Earnings | 52 (stronger) | 39 |
| Funding & liquidity | 96 (stronger) | 88 |
| Problem-loan coverage | 93 | 96 (stronger) |
| Peer percentile | 63rd | 34th |
| Total assets | $184.0M | $188.3M |
| Deposits / shares | $159.9M | $169.8M |
| Capital ratio | 12.11% (stronger) | 8.93% |
| Problem loans | 0.75% | 0.25% (stronger) |
| Net charge-offs | 0.82% | 0.80% (stronger) |
| Return on assets | 0.80% (stronger) | 0.49% |
| Loans ÷ deposits | 64.1% (stronger) | 72.0% |
| Uninsured deposits | 4.2% (stronger) | 7.9% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Chemcel Federal Credit Union has the higher TellerScore (74 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Chemcel Federal Credit Union leads on 5 and Lone Star Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.