Side-by-side · Q2 2026 data
Cy-Fair Federal Credit Union vs Gulf Credit Union
Metric by metric
| Measure | Cy-Fair Federal Credit Union | Gulf Credit Union |
|---|---|---|
| TellerScore | 65 | 68 (stronger) |
| Capital cushion | 45 | 50 (stronger) |
| Loan quality | 58 | 85 (stronger) |
| Earnings | 76 (stronger) | 41 |
| Funding & liquidity | 89 | 94 (stronger) |
| Problem-loan coverage | 82 | 95 (stronger) |
| Peer percentile | 34th | 45th |
| Total assets | $383.5M | $348.6M |
| Deposits / shares | $346.1M | $313.7M |
| Capital ratio | 9.54% | 9.98% (stronger) |
| Problem loans | 1.26% | 0.45% (stronger) |
| Net charge-offs | 0.86% | 0.73% (stronger) |
| Return on assets | 1.39% (stronger) | 0.53% |
| Loans ÷ deposits | 71.2% | 65.9% (stronger) |
| Uninsured deposits | 3.3% (stronger) | 4.8% |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.3% | 15.5% |
Gulf Credit Union has the higher TellerScore (68 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Cy-Fair Federal Credit Union leads on 2 and Gulf Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.