Side-by-side · Q2 2026 data
Chocolate Bayou Community Federal Credit Union vs Ila 1351 Federal 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 | Ila 1351 Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 92 (stronger) |
| Capital cushion | 79 | 100 (stronger) |
| Loan quality | 74 | 100 (stronger) |
| Earnings | 53 | 68 (stronger) |
| Funding & liquidity | 100 (stronger) | 92 |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 71st | 92nd |
| Total assets | $158.1M | $17.3M |
| Deposits / shares | $136.7M | $14.1M |
| Capital ratio | 12.87% | 17.01% (stronger) |
| Problem loans | 0.77% | 0.00% (stronger) |
| Net charge-offs | 0.29% | 0.00% (stronger) |
| Return on assets | 0.82% | 1.20% (stronger) |
| Loans ÷ deposits | 57.0% (stronger) | 68.4% |
| Uninsured deposits | 6.2% (stronger) | 8.3% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 54.4% | — |
Ila 1351 Federal Credit Union has the higher TellerScore (92 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Chocolate Bayou Community Federal Credit Union leads on 2 and Ila 1351 Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.