Side-by-side · Q2 2026 data
Gulf Coast Educators Federal Credit Union vs Neches Federal 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 | Neches Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 93 (stronger) |
| Capital cushion | 100 (stronger) | 97 |
| Loan quality | 70 | 93 (stronger) |
| Earnings | 56 | 100 (stronger) |
| Funding & liquidity | 59 | 72 (stronger) |
| Problem-loan coverage | 92 | 97 (stronger) |
| Peer percentile | 82nd | 99th |
| Total assets | $1.3B | $1.2B |
| Deposits / shares | $1.1B | $1.0B |
| Capital ratio | 15.70% (stronger) | 14.66% |
| Problem loans | 0.90% | 0.20% (stronger) |
| Net charge-offs | 0.67% | 0.47% (stronger) |
| Return on assets | 0.91% | 2.14% (stronger) |
| Loans ÷ deposits | 81.9% (stronger) | 88.0% |
| Uninsured deposits | 32.5% | 10.7% (stronger) |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | 9.2% |
Neches Federal Credit Union has the higher TellerScore (93 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Gulf Coast Educators Federal Credit Union leads on 2 and Neches Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.