Side-by-side · Q2 2026 data
Liberty County Teachers Federal Credit Union vs Bayou City Federal Credit Union
Credit union
Liberty County Teachers Federal Credit Union
Liberty, Texas · Under $100 million in assets
Credit union
Bayou City Federal Credit Union
Houston, Texas · Under $100 million in assets
Metric by metric
| Measure | Liberty County Teachers Federal Credit Union | Bayou City Federal Credit Union |
|---|---|---|
| TellerScore | 97 (stronger) | 54 |
| Capital cushion | 100 (stronger) | 51 |
| Loan quality | 99 (stronger) | 38 |
| Earnings | 100 (stronger) | 28 |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 84 |
| Peer percentile | 98th | 13th |
| Total assets | $23.8M | $23.8M |
| Deposits / shares | $19.5M | $21.3M |
| Capital ratio | 17.13% (stronger) | 10.13% |
| Problem loans | 0.03% (stronger) | 1.85% |
| Net charge-offs | 0.18% (stronger) | 1.08% |
| Return on assets | 2.15% (stronger) | 0.20% |
| Loans ÷ deposits | 80.7% | 37.3% (stronger) |
| Uninsured deposits | 0.6% (stronger) | 2.9% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Liberty County Teachers Federal Credit Union has the higher TellerScore (97 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Liberty County Teachers Federal Credit Union leads on 6 and Bayou City Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.