Side-by-side · Q2 2026 data
City Federal Credit Union vs Southwest Financial Federal Credit Union
Credit union
Southwest Financial Federal Credit Union
Farmers Branch, Texas · Under $100 million in assets
Metric by metric
| Measure | City Federal Credit Union | Southwest Financial Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 72 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 47 | 68 (stronger) |
| Earnings | 2 | 39 (stronger) |
| Funding & liquidity | 70 (stronger) | 57 |
| Problem-loan coverage | 85 | 89 (stronger) |
| Peer percentile | 23rd | 44th |
| Total assets | $84.3M | $85.3M |
| Deposits / shares | $70.2M | $71.3M |
| Capital ratio | 16.25% (stronger) | 15.20% |
| Problem loans | 1.59% | 0.95% (stronger) |
| Net charge-offs | 1.34% (stronger) | 2.30% |
| Return on assets | -0.45% | 0.48% (stronger) |
| Loans ÷ deposits | 90.2% (stronger) | 103.1% |
| Uninsured deposits | 4.0% | 0.3% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.5% |
Southwest Financial Federal Credit Union has the higher TellerScore (72 vs 61). On the 7 directional measures above (where higher or lower is clearly better), City Federal Credit Union leads on 3 and Southwest Financial Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.