Side-by-side · Q2 2026 data
Greater Texas Federal Credit Union vs Texas Bay Credit Union
Credit union
Greater Texas Federal Credit Union
Austin, Texas · $100 million – $1 billion
Metric by metric
| Measure | Greater Texas Federal Credit Union | Texas Bay Credit Union |
|---|---|---|
| TellerScore | 54 (stronger) | 53 |
| Capital cushion | 23 | 25 (stronger) |
| Loan quality | 82 | 82 |
| Earnings | 37 (stronger) | 31 |
| Funding & liquidity | 71 (stronger) | 67 |
| Problem-loan coverage | 87 | 87 |
| Peer percentile | 10th | 9th |
| Total assets | $995.4M | $905.0M |
| Deposits / shares | $906.8M | $763.5M |
| Capital ratio | 7.25% | 7.49% (stronger) |
| Problem loans | 0.53% (stronger) | 0.55% |
| Net charge-offs | 0.58% (stronger) | 1.07% |
| Return on assets | 0.44% (stronger) | 0.27% |
| Loans ÷ deposits | 89.3% (stronger) | 93.1% |
| Uninsured deposits | 7.6% (stronger) | 8.0% |
| Offices | 8 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 59.8% | — |
Greater Texas Federal Credit Union has the higher TellerScore (54 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Greater Texas Federal Credit Union leads on 6 and Texas Bay Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.