Side-by-side · Q2 2026 data
Members Trust of the Southwest Federal Credit Union vs Energy Capital Credit Union
Credit union
Members Trust of the Southwest Federal Credit Union
Houston, Texas · $100 million – $1 billion
Metric by metric
| Measure | Members Trust of the Southwest Federal Credit Union | Energy Capital Credit Union |
|---|---|---|
| TellerScore | 70 (stronger) | 52 |
| Capital cushion | 35 | 46 (stronger) |
| Loan quality | 97 (stronger) | 79 |
| Earnings | 72 (stronger) | 0 |
| Funding & liquidity | 71 (stronger) | 66 |
| Problem-loan coverage | 97 (stronger) | 89 |
| Peer percentile | 51st | 8th |
| Total assets | $273.7M | $261.4M |
| Deposits / shares | $250.7M | $229.2M |
| Capital ratio | 8.52% | 9.59% (stronger) |
| Problem loans | 0.09% (stronger) | 0.64% |
| Net charge-offs | 0.13% (stronger) | 1.81% |
| Return on assets | 1.31% (stronger) | -0.91% |
| Loans ÷ deposits | 89.2% (stronger) | 94.2% |
| Uninsured deposits | 13.0% | 10.3% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Members Trust of the Southwest Federal Credit Union has the higher TellerScore (70 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Members Trust of the Southwest Federal Credit Union leads on 5 and Energy Capital Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.