Side-by-side · Q2 2026 data
Odessa Employees Credit Union vs Lcra Credit Union
Metric by metric
| Measure | Odessa Employees Credit Union | Lcra Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 83 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 86 |
| Earnings | 46 (stronger) | 34 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 87th | 72nd |
| Total assets | $21.0M | $20.2M |
| Deposits / shares | $17.5M | $17.0M |
| Capital ratio | 16.15% (stronger) | 15.96% |
| Problem loans | 0.00% (stronger) | 0.41% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 0.65% (stronger) | 0.34% |
| Loans ÷ deposits | 60.7% | 40.4% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 3.9% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Odessa Employees Credit Union has the higher TellerScore (89 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Odessa Employees Credit Union leads on 6 and Lcra Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.