Side-by-side · Q2 2026 data
Mopac Employees Federal Credit Union vs Bayou City Federal Credit Union
Credit union
Mopac Employees Federal Credit Union
Palestine, Texas · Under $100 million in assets
Credit union
Bayou City Federal Credit Union
Houston, Texas · Under $100 million in assets
Metric by metric
| Measure | Mopac Employees Federal Credit Union | Bayou City Federal Credit Union |
|---|---|---|
| TellerScore | 61 (stronger) | 54 |
| Capital cushion | 47 | 51 (stronger) |
| Loan quality | 89 (stronger) | 38 |
| Earnings | 29 (stronger) | 28 |
| Funding & liquidity | 64 | 100 (stronger) |
| Problem-loan coverage | 92 (stronger) | 84 |
| Peer percentile | 23rd | 13th |
| Total assets | $22.4M | $23.8M |
| Deposits / shares | $19.9M | $21.3M |
| Capital ratio | 9.66% | 10.13% (stronger) |
| Problem loans | 0.34% (stronger) | 1.85% |
| Net charge-offs | 0.31% (stronger) | 1.08% |
| Return on assets | 0.23% (stronger) | 0.20% |
| Loans ÷ deposits | 96.1% | 37.3% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 2.9% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Mopac Employees Federal Credit Union has the higher TellerScore (61 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Mopac Employees Federal Credit Union leads on 5 and Bayou City Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.