Side-by-side · Q2 2026 data
Chocolate Bayou Community Federal Credit Union vs Community Service Credit Union
Credit union
Chocolate Bayou Community Federal Credit Union
Alvin, Texas · $100 million – $1 billion
Metric by metric
| Measure | Chocolate Bayou Community Federal Credit Union | Community Service Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 59 |
| Capital cushion | 79 (stronger) | 44 |
| Loan quality | 74 (stronger) | 73 |
| Earnings | 53 (stronger) | 38 |
| Funding & liquidity | 100 (stronger) | 75 |
| Problem-loan coverage | 94 (stronger) | 86 |
| Peer percentile | 71st | 19th |
| Total assets | $158.1M | $163.8M |
| Deposits / shares | $136.7M | $146.5M |
| Capital ratio | 12.87% (stronger) | 9.45% |
| Problem loans | 0.77% (stronger) | 0.82% |
| Net charge-offs | 0.29% (stronger) | 1.39% |
| Return on assets | 0.82% (stronger) | 0.44% |
| Loans ÷ deposits | 57.0% (stronger) | 84.9% |
| Uninsured deposits | 6.2% (stronger) | 10.1% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 54.4% | — |
Chocolate Bayou Community Federal Credit Union has the higher TellerScore (77 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Chocolate Bayou Community Federal Credit Union leads on 7 and Community Service Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.