Side-by-side · Q2 2026 data
Pampa Teachers Federal Credit Union vs Vatat Credit Union
Credit union
Pampa Teachers Federal Credit Union
Pampa, Texas · Under $100 million in assets
Metric by metric
| Measure | Pampa Teachers Federal Credit Union | Vatat Credit Union |
|---|---|---|
| TellerScore | 54 | 82 (stronger) |
| Capital cushion | 37 | 100 (stronger) |
| Loan quality | 86 (stronger) | 75 |
| Earnings | 0 | 73 (stronger) |
| Funding & liquidity | 82 (stronger) | 64 |
| Problem-loan coverage | 88 | 95 (stronger) |
| Peer percentile | 13th | 70th |
| Total assets | $10.7M | $11.0M |
| Deposits / shares | $9.7M | $8.7M |
| Capital ratio | 8.67% | 17.90% (stronger) |
| Problem loans | 0.43% (stronger) | 0.74% |
| Net charge-offs | 2.71% | 0.00% (stronger) |
| Return on assets | -1.03% | 1.33% (stronger) |
| Loans ÷ deposits | 78.4% | 78.0% (stronger) |
| Uninsured deposits | 1.3% (stronger) | 31.4% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Vatat Credit Union has the higher TellerScore (82 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Pampa Teachers Federal Credit Union leads on 2 and Vatat Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.