Side-by-side · Q2 2026 data
Northeast Panhandle Teachers Federal Credit Union vs Odessa Employees Credit Union
Credit union
Northeast Panhandle Teachers Federal Credit Union
Perryton, Texas · Under $100 million in assets
Metric by metric
| Measure | Northeast Panhandle Teachers Federal Credit Union | Odessa Employees Credit Union |
|---|---|---|
| TellerScore | 81 | 89 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 74 | 100 (stronger) |
| Earnings | 52 (stronger) | 46 |
| Funding & liquidity | 84 | 100 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 68th | 87th |
| Total assets | $22.0M | $21.0M |
| Deposits / shares | $17.3M | $17.5M |
| Capital ratio | 21.42% (stronger) | 16.15% |
| Problem loans | 0.79% | 0.00% (stronger) |
| Net charge-offs | 0.04% | -0.00% (stronger) |
| Return on assets | 0.80% (stronger) | 0.65% |
| Loans ÷ deposits | 76.4% | 60.7% (stronger) |
| Uninsured deposits | 1.2% | 0.0% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Odessa Employees Credit Union has the higher TellerScore (89 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Northeast Panhandle Teachers Federal Credit Union leads on 2 and Odessa Employees Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.