Side-by-side · Q2 2026 data
Employees United Federal Credit Union vs Angelina County Teachers Credit Union
Credit union
Employees United Federal Credit Union
Paris, Texas · Under $100 million in assets
Credit union
Angelina County Teachers Credit Union
Lufkin, Texas · Under $100 million in assets
Metric by metric
| Measure | Employees United Federal Credit Union | Angelina County Teachers Credit Union |
|---|---|---|
| TellerScore | 92 | 100 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 97 | 99 (stronger) |
| Earnings | 63 | 100 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 92nd | 100th |
| Total assets | $12.4M | $12.9M |
| Deposits / shares | $8.3M | $10.5M |
| Capital ratio | 32.74% (stronger) | 18.38% |
| Problem loans | 0.08% | 0.04% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.20% |
| Return on assets | 1.07% | 2.33% (stronger) |
| Loans ÷ deposits | 31.7% (stronger) | 36.6% |
| Uninsured deposits | 0.1% (stronger) | 4.9% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Angelina County Teachers Credit Union has the higher TellerScore (100 vs 92). On the 7 directional measures above (where higher or lower is clearly better), Employees United Federal Credit Union leads on 4 and Angelina County Teachers Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.