Side-by-side · Q2 2026 data
One Source Federal Credit Union vs Centex Citizens Credit Union
Metric by metric
| Measure | One Source Federal Credit Union | Centex Citizens Credit Union |
|---|---|---|
| TellerScore | 63 | 89 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 91 (stronger) | 85 |
| Earnings | 2 | 69 (stronger) |
| Funding & liquidity | 95 | 95 |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 29th | 94th |
| Total assets | $124.0M | $118.9M |
| Deposits / shares | $110.4M | $97.7M |
| Capital ratio | 10.29% | 17.16% (stronger) |
| Problem loans | 0.27% (stronger) | 0.44% |
| Net charge-offs | 1.52% | 0.11% (stronger) |
| Return on assets | -0.44% | 1.23% (stronger) |
| Loans ÷ deposits | 65.4% (stronger) | 65.7% |
| Uninsured deposits | 6.4% | 5.6% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Centex Citizens Credit Union has the higher TellerScore (89 vs 63). On the 7 directional measures above (where higher or lower is clearly better), One Source Federal Credit Union leads on 2 and Centex Citizens Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.