Side-by-side · Q2 2026 data
Nspire Federal Credit Union vs Refugio County Federal Credit Union
Credit union
Refugio County Federal Credit Union
Refugio, Texas · Under $100 million in assets
Metric by metric
| Measure | Nspire Federal Credit Union | Refugio County Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 87 (stronger) |
| Capital cushion | 85 | 100 (stronger) |
| Loan quality | 78 | 86 (stronger) |
| Earnings | 0 | 53 (stronger) |
| Funding & liquidity | 79 | 100 (stronger) |
| Problem-loan coverage | 92 | 98 (stronger) |
| Peer percentile | 32nd | 83rd |
| Total assets | $29.0M | $14.2M |
| Deposits / shares | $24.9M | $11.9M |
| Capital ratio | 13.49% | 16.36% (stronger) |
| Problem loans | 0.65% | 0.42% (stronger) |
| Net charge-offs | 1.30% | 0.00% (stronger) |
| Return on assets | -0.66% | 0.81% (stronger) |
| Loans ÷ deposits | 81.4% | 41.0% (stronger) |
| Uninsured deposits | 2.1% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Refugio County Federal Credit Union has the higher TellerScore (87 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Nspire Federal Credit Union leads on 0 and Refugio County Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.