Side-by-side · Q2 2026 data
Gulf Coast Educators Federal Credit Union vs Brazos Community Credit Union
Credit union
Gulf Coast Educators Federal Credit Union
Pasadena, Texas · $1 billion – $10 billion
Metric by metric
| Measure | Gulf Coast Educators Federal Credit Union | Brazos Community Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 57 |
| Capital cushion | 100 | 100 |
| Loan quality | 70 (stronger) | 30 |
| Earnings | 56 (stronger) | 0 |
| Funding & liquidity | 59 | 72 (stronger) |
| Problem-loan coverage | 92 (stronger) | 82 |
| Peer percentile | 82nd | 17th |
| Total assets | $1.3B | $20.0M |
| Deposits / shares | $1.1B | $16.4M |
| Capital ratio | 15.70% | 16.99% (stronger) |
| Problem loans | 0.90% (stronger) | 2.10% |
| Net charge-offs | 0.67% (stronger) | 1.59% |
| Return on assets | 0.91% (stronger) | -2.89% |
| Loans ÷ deposits | 81.9% (stronger) | 88.7% |
| Uninsured deposits | 32.5% | 4.6% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | — |
Gulf Coast Educators Federal Credit Union has the higher TellerScore (77 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Gulf Coast Educators Federal Credit Union leads on 5 and Brazos Community Credit Union on 2. 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.