Side-by-side · Q2 2026 data
Concho Educators Federal Credit Union vs Cooperative Teachers
Credit union
Concho Educators Federal Credit Union
San Angelo, Texas · Under $100 million in assets
Metric by metric
| Measure | Concho Educators Federal Credit Union | Cooperative Teachers |
|---|---|---|
| TellerScore | 72 (stronger) | 30 |
| Capital cushion | 67 (stronger) | 29 |
| Loan quality | 86 (stronger) | 0 |
| Earnings | 33 (stronger) | 32 |
| Funding & liquidity | 95 (stronger) | 85 |
| Problem-loan coverage | 96 (stronger) | 22 |
| Peer percentile | 44th | 1st |
| Total assets | $99.4M | $93.8M |
| Deposits / shares | $89.8M | $83.4M |
| Capital ratio | 11.69% (stronger) | 7.88% |
| Problem loans | 0.42% (stronger) | 4.31% |
| Net charge-offs | 1.19% | 0.47% (stronger) |
| Return on assets | 0.34% (stronger) | 0.30% |
| Loans ÷ deposits | 64.9% (stronger) | 74.8% |
| Uninsured deposits | 4.1% | 3.2% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Concho Educators Federal Credit Union has the higher TellerScore (72 vs 30). On the 7 directional measures above (where higher or lower is clearly better), Concho Educators Federal Credit Union leads on 5 and Cooperative Teachers on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.