Side-by-side · Q2 2026 data
Estacado Federal Credit Union vs Zia Credit Union
Metric by metric
| Measure | Estacado Federal Credit Union | Zia Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 64 |
| Capital cushion | 91 (stronger) | 53 |
| Loan quality | 76 | 84 (stronger) |
| Earnings | 92 (stronger) | 38 |
| Funding & liquidity | 85 (stronger) | 71 |
| Problem-loan coverage | 93 (stronger) | 92 |
| Peer percentile | 91st | 31st |
| Total assets | $120.0M | $308.1M |
| Deposits / shares | $102.4M | $246.7M |
| Capital ratio | 14.05% (stronger) | 10.35% |
| Problem loans | 0.73% | 0.48% (stronger) |
| Net charge-offs | 0.66% | 0.35% (stronger) |
| Return on assets | 1.79% (stronger) | 0.45% |
| Loans ÷ deposits | 75.0% (stronger) | 89.1% |
| Uninsured deposits | 5.2% | 5.1% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Estacado Federal Credit Union has the higher TellerScore (87 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Estacado Federal Credit Union leads on 4 and Zia Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.