Side-by-side · Q2 2026 data
Covenant Savings Federal Credit Union vs Union Pacific Employees Credit Union
Credit union
Covenant Savings Federal Credit Union
Killeen, Texas · Under $100 million in assets
Credit union
Union Pacific Employees Credit Union
Beaumont, Texas · Under $100 million in assets
Metric by metric
| Measure | Covenant Savings Federal Credit Union | Union Pacific Employees Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 59 |
| Capital cushion | 75 | 100 (stronger) |
| Loan quality | 44 (stronger) | 33 |
| Earnings | 84 (stronger) | 2 |
| Funding & liquidity | 87 (stronger) | 74 |
| Problem-loan coverage | 83 | 89 (stronger) |
| Peer percentile | 44th | 20th |
| Total assets | $4.2M | $3.8M |
| Deposits / shares | $3.6M | $2.9M |
| Capital ratio | 12.48% | 23.66% (stronger) |
| Problem loans | 1.69% (stronger) | 2.02% |
| Net charge-offs | 0.14% | 0.02% (stronger) |
| Return on assets | 1.59% (stronger) | -0.44% |
| Loans ÷ deposits | 73.3% (stronger) | 86.6% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Covenant Savings Federal Credit Union has the higher TellerScore (72 vs 59). On the 6 directional measures above (where higher or lower is clearly better), Covenant Savings Federal Credit Union leads on 4 and Union Pacific Employees Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.