Side-by-side · Q2 2026 data
Friona Texas Federal Credit Union vs Cen Tex Manufacturing Credit Union
Credit union
Friona Texas Federal Credit Union
Friona, Texas · Under $100 million in assets
Credit union
Cen Tex Manufacturing Credit Union
Brownwood, Texas · Under $100 million in assets
Metric by metric
| Measure | Friona Texas Federal Credit Union | Cen Tex Manufacturing Credit Union |
|---|---|---|
| TellerScore | 49 | 69 (stronger) |
| Capital cushion | 97 | 100 (stronger) |
| Loan quality | 0 | 27 (stronger) |
| Earnings | 0 | 55 (stronger) |
| Funding & liquidity | 100 (stronger) | 84 |
| Problem-loan coverage | 44 | 89 (stronger) |
| Peer percentile | 8th | 38th |
| Total assets | $14.1M | $15.0M |
| Deposits / shares | $12.0M | $11.5M |
| Capital ratio | 14.70% | 22.37% (stronger) |
| Problem loans | 12.40% | 2.20% (stronger) |
| Net charge-offs | 0.79% | 0.61% (stronger) |
| Return on assets | -3.03% | 0.86% (stronger) |
| Loans ÷ deposits | 39.2% (stronger) | 75.9% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cen Tex Manufacturing Credit Union has the higher TellerScore (69 vs 49). On the 6 directional measures above (where higher or lower is clearly better), Friona Texas Federal Credit Union leads on 1 and Cen Tex Manufacturing Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.