Side-by-side · Q2 2026 data
Pantex Federal Credit Union vs Education Credit Union
Metric by metric
| Measure | Pantex Federal Credit Union | Education Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 70 |
| Capital cushion | 100 (stronger) | 76 |
| Loan quality | 77 | 79 (stronger) |
| Earnings | 81 (stronger) | 41 |
| Funding & liquidity | 100 (stronger) | 66 |
| Problem-loan coverage | 98 (stronger) | 90 |
| Peer percentile | 95th | 51st |
| Total assets | $233.4M | $469.2M |
| Deposits / shares | $183.3M | $404.3M |
| Capital ratio | 22.25% (stronger) | 12.63% |
| Problem loans | 0.69% | 0.64% (stronger) |
| Net charge-offs | 0.50% (stronger) | 0.88% |
| Return on assets | 1.53% (stronger) | 0.53% |
| Loans ÷ deposits | 34.8% (stronger) | 94.6% |
| Uninsured deposits | 7.1% | 5.5% (stronger) |
| Offices | 4 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.8% |
Pantex Federal Credit Union has the higher TellerScore (90 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Pantex Federal Credit Union leads on 5 and Education Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Borger, TX