Side-by-side · Q2 2026 data
First Watch Federal Credit Union vs Txdot Credit Union
Metric by metric
| Measure | First Watch Federal Credit Union | Txdot Credit Union |
|---|---|---|
| TellerScore | 66 | 81 (stronger) |
| Capital cushion | 43 | 100 (stronger) |
| Loan quality | 99 (stronger) | 82 |
| Earnings | 28 | 58 (stronger) |
| Funding & liquidity | 87 (stronger) | 65 |
| Problem-loan coverage | 99 (stronger) | 92 |
| Peer percentile | 37th | 68th |
| Total assets | $104.7M | $18.2M |
| Deposits / shares | $94.7M | $15.0M |
| Capital ratio | 9.33% | 17.19% (stronger) |
| Problem loans | 0.03% (stronger) | 0.54% |
| Net charge-offs | 0.14% (stronger) | 0.21% |
| Return on assets | 0.19% | 0.96% (stronger) |
| Loans ÷ deposits | 73.0% (stronger) | 95.7% |
| Uninsured deposits | 6.4% | 0.0% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.8% | — |
Txdot Credit Union has the higher TellerScore (81 vs 66). On the 7 directional measures above (where higher or lower is clearly better), First Watch Federal Credit Union leads on 3 and Txdot Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.