Side-by-side · Q2 2026 data
Credit Union of Texas vs First Community Credit Union
Metric by metric
| Measure | Credit Union of Texas | First Community Credit Union |
|---|---|---|
| TellerScore | 43 | 58 (stronger) |
| Capital cushion | 31 (stronger) | 30 |
| Loan quality | 47 | 87 (stronger) |
| Earnings | 22 | 54 (stronger) |
| Funding & liquidity | 73 (stronger) | 50 |
| Problem-loan coverage | 68 | 90 (stronger) |
| Peer percentile | 2nd | 19th |
| Total assets | $2.6B | $3.1B |
| Deposits / shares | $2.3B | $2.0B |
| Capital ratio | 8.13% (stronger) | 7.98% |
| Problem loans | 1.59% | 0.39% (stronger) |
| Net charge-offs | 1.32% | 0.49% (stronger) |
| Return on assets | 0.05% | 0.85% (stronger) |
| Loans ÷ deposits | 87.5% (stronger) | 118.4% |
| Uninsured deposits | 12.4% | 9.9% (stronger) |
| Offices | 10 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 32.5% | — |
First Community Credit Union has the higher TellerScore (58 vs 43). On the 7 directional measures above (where higher or lower is clearly better), Credit Union of Texas leads on 2 and First Community Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.