Side-by-side · Q2 2026 data
Covenant Savings Federal Credit Union vs Midwestern State University Credit Union
Credit union
Covenant Savings Federal Credit Union
Killeen, Texas · Under $100 million in assets
Credit union
Midwestern State University Credit Union
Wichita Falls, Texas · Under $100 million in assets
Metric by metric
| Measure | Covenant Savings Federal Credit Union | Midwestern State University Credit Union |
|---|---|---|
| TellerScore | 72 | 76 (stronger) |
| Capital cushion | 75 | 100 (stronger) |
| Loan quality | 44 | 84 (stronger) |
| Earnings | 84 (stronger) | 0 |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 83 | 97 (stronger) |
| Peer percentile | 44th | 54th |
| Total assets | $4.2M | $4.3M |
| Deposits / shares | $3.6M | $3.6M |
| Capital ratio | 12.48% | 16.26% (stronger) |
| Problem loans | 1.69% | 0.47% (stronger) |
| Net charge-offs | 0.14% (stronger) | 0.41% |
| Return on assets | 1.59% (stronger) | -0.78% |
| Loans ÷ deposits | 73.3% | 60.2% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Midwestern State University Credit Union has the higher TellerScore (76 vs 72). On the 6 directional measures above (where higher or lower is clearly better), Covenant Savings Federal Credit Union leads on 2 and Midwestern State University Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.