Side-by-side · Q2 2026 data
Government Employees Federal Credit Union vs Lcra Credit Union
Credit union
Government Employees Federal Credit Union
Austin, Texas · $100 million – $1 billion
Metric by metric
| Measure | Government Employees Federal Credit Union | Lcra Credit Union |
|---|---|---|
| TellerScore | 72 | 83 (stronger) |
| Capital cushion | 57 | 100 (stronger) |
| Loan quality | 72 | 86 (stronger) |
| Earnings | 62 (stronger) | 34 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 92 | 94 (stronger) |
| Peer percentile | 57th | 72nd |
| Total assets | $189.4M | $20.2M |
| Deposits / shares | $169.5M | $17.0M |
| Capital ratio | 10.73% | 15.96% (stronger) |
| Problem loans | 0.83% | 0.41% (stronger) |
| Net charge-offs | 0.05% | 0.00% (stronger) |
| Return on assets | 1.05% (stronger) | 0.34% |
| Loans ÷ deposits | 56.5% | 40.4% (stronger) |
| Uninsured deposits | 5.3% | 3.9% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lcra Credit Union has the higher TellerScore (83 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Government Employees Federal Credit Union leads on 1 and Lcra Credit Union on 6. 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.