Side-by-side · Q2 2026 data
Members Trust of the Southwest Federal Credit Union vs Unity One 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 | Unity One Credit Union |
|---|---|---|
| TellerScore | 70 (stronger) | 51 |
| Capital cushion | 35 (stronger) | 34 |
| Loan quality | 97 (stronger) | 67 |
| Earnings | 72 (stronger) | 4 |
| Funding & liquidity | 71 | 98 (stronger) |
| Problem-loan coverage | 97 (stronger) | 86 |
| Peer percentile | 51st | 7th |
| Total assets | $273.7M | $275.9M |
| Deposits / shares | $250.7M | $260.0M |
| Capital ratio | 8.52% (stronger) | 8.39% |
| Problem loans | 0.09% (stronger) | 0.98% |
| Net charge-offs | 0.13% (stronger) | 1.07% |
| Return on assets | 1.31% (stronger) | -0.41% |
| Loans ÷ deposits | 89.2% | 62.2% (stronger) |
| Uninsured deposits | 13.0% | 4.5% (stronger) |
| Offices | 1 | 7 |
| 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 51). 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 Unity One Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.