Side-by-side · Q2 2026 data
Morris Sheppard Texarkana Federal Credit Union vs Central Texas Teachers Credit Union
Credit union
Morris Sheppard Texarkana Federal Credit Union
Texarkana, Texas · Under $100 million in assets
Credit union
Central Texas Teachers Credit Union
Corsicana, Texas · Under $100 million in assets
Metric by metric
| Measure | Morris Sheppard Texarkana Federal Credit Union | Central Texas Teachers Credit Union |
|---|---|---|
| TellerScore | 76 | 77 (stronger) |
| Capital cushion | 66 | 100 (stronger) |
| Loan quality | 85 | 100 (stronger) |
| Earnings | 65 (stronger) | 0 |
| Funding & liquidity | 81 (stronger) | 78 |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 54th | 57th |
| Total assets | $13.2M | $13.7M |
| Deposits / shares | $11.7M | $11.5M |
| Capital ratio | 11.64% | 15.91% (stronger) |
| Problem loans | 0.45% | 0.00% (stronger) |
| Net charge-offs | 0.25% (stronger) | 0.50% |
| Return on assets | 1.12% (stronger) | -0.50% |
| Loans ÷ deposits | 79.1% (stronger) | 82.2% |
| Uninsured deposits | 0.0% (stronger) | 1.2% |
| Offices | 2 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Central Texas Teachers Credit Union has the higher TellerScore (77 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Morris Sheppard Texarkana Federal Credit Union leads on 4 and Central Texas Teachers Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.