Side-by-side · Q2 2026 data
McLennan County Employees Federal Credit Union vs Alba-Golden Federal Credit Union
Credit union
McLennan County Employees Federal Credit Union
Waco, Texas · Under $100 million in assets
Metric by metric
| Measure | McLennan County Employees Federal Credit Union | Alba-Golden Federal Credit Union |
|---|---|---|
| TellerScore | 85 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 99 | 100 (stronger) |
| Earnings | 26 | 75 (stronger) |
| Funding & liquidity | 100 (stronger) | 68 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 77th | 89th |
| Total assets | $21.6M | $22.2M |
| Deposits / shares | $15.9M | $18.1M |
| Capital ratio | 25.62% (stronger) | 16.84% |
| Problem loans | 0.02% | 0.01% (stronger) |
| Net charge-offs | 0.22% (stronger) | 1.16% |
| Return on assets | 0.16% | 1.38% (stronger) |
| Loans ÷ deposits | 41.3% (stronger) | 92.6% |
| Uninsured deposits | 1.9% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Alba-Golden Federal Credit Union has the higher TellerScore (90 vs 85). On the 7 directional measures above (where higher or lower is clearly better), McLennan County Employees Federal Credit Union leads on 3 and Alba-Golden Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.