Side-by-side · Q2 2026 data
Morris Sheppard Texarkana Federal Credit Union vs Texar Federal Credit Union
Credit union
Morris Sheppard Texarkana Federal Credit Union
Texarkana, Texas · Under $100 million in assets
Metric by metric
| Measure | Morris Sheppard Texarkana Federal Credit Union | Texar Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 81 (stronger) |
| Capital cushion | 66 | 100 (stronger) |
| Loan quality | 85 (stronger) | 76 |
| Earnings | 65 (stronger) | 52 |
| Funding & liquidity | 81 | 84 (stronger) |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 54th | 80th |
| Total assets | $13.2M | $440.5M |
| Deposits / shares | $11.7M | $335.3M |
| Capital ratio | 11.64% | 16.42% (stronger) |
| Problem loans | 0.45% (stronger) | 0.72% |
| Net charge-offs | 0.25% (stronger) | 0.34% |
| Return on assets | 1.12% (stronger) | 0.79% |
| Loans ÷ deposits | 79.1% | 76.5% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 9.9% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.0% |
Texar Federal Credit Union has the higher TellerScore (81 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 Texar Federal Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.