Side-by-side · Q2 2026 data
Cochran County Schools Federal Credit Union vs J.C.T. Federal Credit Union
Credit union
Cochran County Schools Federal Credit Union
Morton, Texas · Under $100 million in assets
Metric by metric
| Measure | Cochran County Schools Federal Credit Union | J.C.T. Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 80 (stronger) |
| Capital cushion | 96 (stronger) | 77 |
| Loan quality | 74 | 100 (stronger) |
| Earnings | 33 | 36 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 62nd | 65th |
| Total assets | $10.2M | $10.0M |
| Deposits / shares | $8.7M | $8.7M |
| Capital ratio | 14.61% (stronger) | 12.67% |
| Problem loans | 0.77% | 0.00% (stronger) |
| Net charge-offs | 1.28% | 0.00% (stronger) |
| Return on assets | 0.33% | 0.40% (stronger) |
| Loans ÷ deposits | 46.0% (stronger) | 50.1% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
J.C.T. Federal Credit Union has the higher TellerScore (80 vs 79). On the 6 directional measures above (where higher or lower is clearly better), Cochran County Schools Federal Credit Union leads on 2 and J.C.T. Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.