Side-by-side · Q2 2026 data
Hale County Teachers Federal Credit Union vs Vatat Credit Union
Credit union
Hale County Teachers Federal Credit Union
Plainview, Texas · Under $100 million in assets
Metric by metric
| Measure | Hale County Teachers Federal Credit Union | Vatat Credit Union |
|---|---|---|
| TellerScore | 69 | 82 (stronger) |
| Capital cushion | 54 | 100 (stronger) |
| Loan quality | 100 (stronger) | 75 |
| Earnings | 14 | 73 (stronger) |
| Funding & liquidity | 100 (stronger) | 64 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 38th | 70th |
| Total assets | $11.1M | $11.0M |
| Deposits / shares | $9.9M | $8.7M |
| Capital ratio | 10.36% | 17.90% (stronger) |
| Problem loans | 0.00% (stronger) | 0.74% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | -0.15% | 1.33% (stronger) |
| Loans ÷ deposits | 53.8% (stronger) | 78.0% |
| Uninsured deposits | 0.0% (stronger) | 31.4% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Vatat Credit Union has the higher TellerScore (82 vs 69). On the 6 directional measures above (where higher or lower is clearly better), Hale County Teachers Federal Credit Union leads on 3 and Vatat Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.