Side-by-side · Q2 2026 data
Naft Federal Credit Union vs Chocolate Bayou Community Federal Credit Union
Credit union
Chocolate Bayou Community Federal Credit Union
Alvin, Texas · $100 million – $1 billion
Metric by metric
| Measure | Naft Federal Credit Union | Chocolate Bayou Community Federal Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 77 |
| Capital cushion | 100 (stronger) | 79 |
| Loan quality | 83 (stronger) | 74 |
| Earnings | 89 (stronger) | 53 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 97th | 71st |
| Total assets | $162.3M | $158.1M |
| Deposits / shares | $135.7M | $136.7M |
| Capital ratio | 16.44% (stronger) | 12.87% |
| Problem loans | 0.50% (stronger) | 0.77% |
| Net charge-offs | 0.24% (stronger) | 0.29% |
| Return on assets | 1.73% (stronger) | 0.82% |
| Loans ÷ deposits | 51.3% (stronger) | 57.0% |
| Uninsured deposits | 1.3% (stronger) | 6.2% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 54.4% |
Naft Federal Credit Union has the higher TellerScore (93 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Naft Federal Credit Union leads on 7 and Chocolate Bayou Community Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.