Side-by-side · Q2 2026 data
Orem City Employees Federal Credit Union vs Trinity Valley Teachers Credit Union
Credit union
Trinity Valley Teachers Credit Union
Palestine, Texas · Under $100 million in assets
Metric by metric
| Measure | Orem City Employees Federal Credit Union | Trinity Valley Teachers Credit Union |
|---|---|---|
| TellerScore | 82 | 91 (stronger) |
| Capital cushion | 93 | 100 (stronger) |
| Loan quality | 96 (stronger) | 80 |
| Earnings | 30 | 82 (stronger) |
| Funding & liquidity | 92 | 100 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 70th | 90th |
| Total assets | $2.7M | $31.6M |
| Deposits / shares | $2.3M | $21.6M |
| Capital ratio | 14.33% | 31.33% (stronger) |
| Problem loans | 0.13% (stronger) | 0.59% |
| Net charge-offs | 0.00% (stronger) | 0.40% |
| Return on assets | 0.24% | 1.55% (stronger) |
| Loans ÷ deposits | 67.8% | 26.4% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 1.6% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Trinity Valley Teachers Credit Union has the higher TellerScore (91 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Orem City Employees Federal Credit Union leads on 3 and Trinity Valley Teachers Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.