Side-by-side · Q2 2026 data
Government Employees Federal Credit Union vs First Central Credit Union
Credit union
Government Employees Federal Credit Union
Austin, Texas · $100 million – $1 billion
Metric by metric
| Measure | Government Employees Federal Credit Union | First Central Credit Union |
|---|---|---|
| TellerScore | 72 | 76 (stronger) |
| Capital cushion | 57 | 100 (stronger) |
| Loan quality | 72 (stronger) | 35 |
| Earnings | 62 | 68 (stronger) |
| Funding & liquidity | 100 (stronger) | 99 |
| Problem-loan coverage | 92 (stronger) | 85 |
| Peer percentile | 57th | 68th |
| Total assets | $189.4M | $191.7M |
| Deposits / shares | $169.5M | $160.2M |
| Capital ratio | 10.73% | 16.35% (stronger) |
| Problem loans | 0.83% (stronger) | 1.95% |
| Net charge-offs | 0.05% (stronger) | 0.75% |
| Return on assets | 1.05% | 1.19% (stronger) |
| Loans ÷ deposits | 56.5% (stronger) | 61.3% |
| Uninsured deposits | 5.3% | 5.1% (stronger) |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 16.0% |
First Central Credit Union has the higher TellerScore (76 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Government Employees Federal Credit Union leads on 3 and First Central Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.