Side-by-side · Q2 2026 data
Gulf Credit Union vs Texoma Community Credit Union
Metric by metric
| Measure | Gulf Credit Union | Texoma Community Credit Union |
|---|---|---|
| TellerScore | 68 (stronger) | 63 |
| Capital cushion | 50 | 62 (stronger) |
| Loan quality | 85 (stronger) | 77 |
| Earnings | 41 (stronger) | 38 |
| Funding & liquidity | 94 (stronger) | 64 |
| Problem-loan coverage | 95 (stronger) | 84 |
| Peer percentile | 45th | 29th |
| Total assets | $348.6M | $325.5M |
| Deposits / shares | $313.7M | $278.7M |
| Capital ratio | 9.98% | 11.22% (stronger) |
| Problem loans | 0.45% (stronger) | 0.70% |
| Net charge-offs | 0.73% | 0.53% (stronger) |
| Return on assets | 0.53% (stronger) | 0.45% |
| Loans ÷ deposits | 65.9% (stronger) | 96.4% |
| Uninsured deposits | 4.8% | 3.7% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.5% | 0.0% |
Gulf Credit Union has the higher TellerScore (68 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Gulf Credit Union leads on 4 and Texoma Community Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.