Side-by-side · Q2 2026 data
Gulf Coast Educators Federal Credit Union vs Rave Financial 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 | Rave Financial Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 71 |
| Capital cushion | 100 (stronger) | 78 |
| Loan quality | 70 | 81 (stronger) |
| Earnings | 56 (stronger) | 48 |
| Funding & liquidity | 59 (stronger) | 56 |
| Problem-loan coverage | 92 (stronger) | 90 |
| Peer percentile | 82nd | 62nd |
| Total assets | $1.3B | $1.2B |
| Deposits / shares | $1.1B | $961.7M |
| Capital ratio | 15.70% (stronger) | 12.82% |
| Problem loans | 0.90% | 0.57% (stronger) |
| Net charge-offs | 0.67% | 0.53% (stronger) |
| Return on assets | 0.91% (stronger) | 0.70% |
| Loans ÷ deposits | 81.9% (stronger) | 104.3% |
| Uninsured deposits | 32.5% | 8.2% (stronger) |
| Offices | 6 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | 33.2% |
Gulf Coast Educators Federal Credit Union has the higher TellerScore (77 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Gulf Coast Educators Federal Credit Union leads on 4 and Rave Financial Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.