Side-by-side · Q2 2026 data
Concho Educators Federal Credit Union vs Edinburg Teachers Credit Union
Credit union
Concho Educators Federal Credit Union
San Angelo, Texas · Under $100 million in assets
Metric by metric
| Measure | Concho Educators Federal Credit Union | Edinburg Teachers Credit Union |
|---|---|---|
| TellerScore | 72 | 85 (stronger) |
| Capital cushion | 67 | 100 (stronger) |
| Loan quality | 86 | 96 (stronger) |
| Earnings | 33 (stronger) | 29 |
| Funding & liquidity | 95 | 100 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 44th | 77th |
| Total assets | $99.4M | $98.0M |
| Deposits / shares | $89.8M | $80.7M |
| Capital ratio | 11.69% | 22.59% (stronger) |
| Problem loans | 0.42% | 0.12% (stronger) |
| Net charge-offs | 1.19% | 0.13% (stronger) |
| Return on assets | 0.34% (stronger) | 0.23% |
| Loans ÷ deposits | 64.9% | 25.6% (stronger) |
| Uninsured deposits | 4.1% | 3.2% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Edinburg Teachers Credit Union has the higher TellerScore (85 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Concho Educators Federal Credit Union leads on 1 and Edinburg Teachers Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.