Side-by-side · Q2 2026 data
Gallup Federal Credit Union vs Trax Federal Credit Union
Metric by metric
| Measure | Gallup Federal Credit Union | Trax Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 64 |
| Capital cushion | 100 (stronger) | 80 |
| Loan quality | 98 (stronger) | 40 |
| Earnings | 58 (stronger) | 31 |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 88 |
| Peer percentile | 75th | 31st |
| Total assets | $16.4M | $485.1M |
| Deposits / shares | $13.3M | $416.4M |
| Capital ratio | 18.06% (stronger) | 12.98% |
| Problem loans | 0.05% (stronger) | 1.80% |
| Net charge-offs | 0.00% (stronger) | 1.79% |
| Return on assets | 0.96% (stronger) | 0.28% |
| Loans ÷ deposits | 111.1% | 51.9% (stronger) |
| Uninsured deposits | 9.7% (stronger) | 11.5% |
| Offices | 3 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 30.0% |
Gallup Federal Credit Union has the higher TellerScore (84 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Gallup Federal Credit Union leads on 6 and Trax Federal Credit Union on 1. 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.