Side-by-side · Q2 2026 data
LA Joya Area Federal Credit Union vs Edinburg Teachers Credit Union
Credit union
LA Joya Area Federal Credit Union
La Joya, Texas · Under $100 million in assets
Metric by metric
| Measure | LA Joya Area Federal Credit Union | Edinburg Teachers Credit Union |
|---|---|---|
| TellerScore | 53 | 85 (stronger) |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 31 | 96 (stronger) |
| Earnings | 22 | 29 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 81 | 100 (stronger) |
| Peer percentile | 12th | 77th |
| Total assets | $62.2M | $98.0M |
| Deposits / shares | $54.1M | $80.7M |
| Capital ratio | 10.82% | 22.59% (stronger) |
| Problem loans | 2.07% | 0.12% (stronger) |
| Net charge-offs | 0.54% | 0.13% (stronger) |
| Return on assets | 0.06% | 0.23% (stronger) |
| Loans ÷ deposits | 55.1% | 25.6% (stronger) |
| Uninsured deposits | 5.6% | 3.2% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Edinburg Teachers Credit Union has the higher TellerScore (85 vs 53). On the 7 directional measures above (where higher or lower is clearly better), LA Joya Area Federal Credit Union leads on 0 and Edinburg Teachers Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.