Side-by-side · Q2 2026 data
Oak Cliff Christian Federal Credit Union vs Wharton County Teachers Credit Union
Credit union
Oak Cliff Christian Federal Credit Union
Dallas, Texas · Under $100 million in assets
Credit union
Wharton County Teachers Credit Union
Wharton, Texas · Under $100 million in assets
Metric by metric
| Measure | Oak Cliff Christian Federal Credit Union | Wharton County Teachers Credit Union |
|---|---|---|
| TellerScore | 56 | 90 (stronger) |
| Capital cushion | 22 | 100 (stronger) |
| Loan quality | 74 | 94 (stronger) |
| Earnings | 57 | 60 (stronger) |
| Funding & liquidity | 74 | 98 (stronger) |
| Problem-loan coverage | 85 | 99 (stronger) |
| Peer percentile | 16th | 89th |
| Total assets | $7.8M | $7.4M |
| Deposits / shares | $7.2M | $5.3M |
| Capital ratio | 7.22% | 28.35% (stronger) |
| Problem loans | 0.78% | 0.18% (stronger) |
| Net charge-offs | 0.33% | 0.31% (stronger) |
| Return on assets | 0.92% | 0.99% (stronger) |
| Loans ÷ deposits | 85.9% | 62.1% (stronger) |
| Uninsured deposits | 4.6% (stronger) | 5.8% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Wharton County Teachers Credit Union has the higher TellerScore (90 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Oak Cliff Christian Federal Credit Union leads on 1 and Wharton County Teachers Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.