Side-by-side · Q2 2026 data
Northeast Texas Teachers Federal Credit Union vs Common Cents Federal Credit Union
Credit union
Northeast Texas Teachers Federal Credit Union
Paris, Texas · Under $100 million in assets
Credit union
Common Cents Federal Credit Union
Beaumont, Texas · Under $100 million in assets
Metric by metric
| Measure | Northeast Texas Teachers Federal Credit Union | Common Cents Federal Credit Union |
|---|---|---|
| TellerScore | 83 | 87 (stronger) |
| Capital cushion | 95 (stronger) | 71 |
| Loan quality | 86 | 90 (stronger) |
| Earnings | 40 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 87 |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 72nd | 83rd |
| Total assets | $33.1M | $34.2M |
| Deposits / shares | $28.1M | $30.0M |
| Capital ratio | 14.45% (stronger) | 12.13% |
| Problem loans | 0.43% | 0.30% (stronger) |
| Net charge-offs | 0.15% (stronger) | 0.66% |
| Return on assets | 0.50% | 2.37% (stronger) |
| Loans ÷ deposits | 22.7% (stronger) | 73.0% |
| Uninsured deposits | 0.1% (stronger) | 1.9% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Common Cents Federal Credit Union has the higher TellerScore (87 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Northeast Texas Teachers Federal Credit Union leads on 4 and Common Cents Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.