Side-by-side · Q2 2026 data
Fannin County Teachers Federal Credit Union vs J.C.T. Federal Credit Union
Credit union
Fannin County Teachers Federal Credit Union
Bonham, Texas · Under $100 million in assets
Metric by metric
| Measure | Fannin County Teachers Federal Credit Union | J.C.T. Federal Credit Union |
|---|---|---|
| TellerScore | 55 | 80 (stronger) |
| Capital cushion | 100 (stronger) | 77 |
| Loan quality | 12 | 100 (stronger) |
| Earnings | 31 | 36 (stronger) |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 85 | 100 (stronger) |
| Peer percentile | 15th | 65th |
| Total assets | $10.0M | $10.0M |
| Deposits / shares | $7.0M | $8.7M |
| Capital ratio | 28.33% (stronger) | 12.67% |
| Problem loans | 2.65% | 0.00% (stronger) |
| Net charge-offs | 0.12% | 0.00% (stronger) |
| Return on assets | 0.29% | 0.40% (stronger) |
| Loans ÷ deposits | 110.7% | 50.1% (stronger) |
| Uninsured deposits | 2.9% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
J.C.T. Federal Credit Union has the higher TellerScore (80 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Fannin County Teachers Federal Credit Union leads on 1 and J.C.T. Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.