Side-by-side · Q2 2026 data
Members Financial Federal Credit Union vs Caprock Federal Credit Union
Credit union
Members Financial Federal Credit Union
Midland, Texas · Under $100 million in assets
Metric by metric
| Measure | Members Financial Federal Credit Union | Caprock Federal Credit Union |
|---|---|---|
| TellerScore | 64 (stronger) | 56 |
| Capital cushion | 38 | 65 (stronger) |
| Loan quality | 95 (stronger) | 52 |
| Earnings | 19 | 22 (stronger) |
| Funding & liquidity | 100 (stronger) | 76 |
| Problem-loan coverage | 98 (stronger) | 80 |
| Peer percentile | 28th | 16th |
| Total assets | $38.6M | $40.4M |
| Deposits / shares | $34.9M | $35.5M |
| Capital ratio | 8.77% | 11.54% (stronger) |
| Problem loans | 0.16% (stronger) | 1.43% |
| Net charge-offs | 0.29% | 0.20% (stronger) |
| Return on assets | -0.02% | 0.05% (stronger) |
| Loans ÷ deposits | 59.4% (stronger) | 83.6% |
| Uninsured deposits | 8.6% (stronger) | 15.4% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Members Financial Federal Credit Union has the higher TellerScore (64 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Members Financial Federal Credit Union leads on 4 and Caprock Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.