Side-by-side · Q2 2026 data
Coastal Community Federal Credit Union vs Wellspring Federal Credit Union
Credit union
Coastal Community Federal Credit Union
Galveston, Texas · Under $100 million in assets
Credit union
Wellspring Federal Credit Union
Bridge City, Texas · Under $100 million in assets
Metric by metric
| Measure | Coastal Community Federal Credit Union | Wellspring Federal Credit Union |
|---|---|---|
| TellerScore | 39 | 61 (stronger) |
| Capital cushion | 49 (stronger) | 39 |
| Loan quality | 7 | 76 (stronger) |
| Earnings | 0 | 48 (stronger) |
| Funding & liquidity | 100 (stronger) | 79 |
| Problem-loan coverage | 72 | 88 (stronger) |
| Peer percentile | 3rd | 23rd |
| Total assets | $93.3M | $91.8M |
| Deposits / shares | $83.5M | $82.3M |
| Capital ratio | 9.95% (stronger) | 8.89% |
| Problem loans | 2.79% | 0.71% (stronger) |
| Net charge-offs | 1.69% | 1.33% (stronger) |
| Return on assets | -1.01% | 0.71% (stronger) |
| Loans ÷ deposits | 55.4% (stronger) | 81.0% |
| Uninsured deposits | 3.1% (stronger) | 3.4% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Wellspring Federal Credit Union has the higher TellerScore (61 vs 39). On the 7 directional measures above (where higher or lower is clearly better), Coastal Community Federal Credit Union leads on 3 and Wellspring Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.