Side-by-side · Q2 2026 data
Port Arthur Teachers Federal Credit Union vs Union Pacific Employees Credit Union
Credit union
Port Arthur Teachers Federal Credit Union
Port Arthur, Texas · Under $100 million in assets
Credit union
Union Pacific Employees Credit Union
Beaumont, Texas · Under $100 million in assets
Metric by metric
| Measure | Port Arthur Teachers Federal Credit Union | Union Pacific Employees Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 59 |
| Capital cushion | 99 | 100 (stronger) |
| Loan quality | 88 (stronger) | 33 |
| Earnings | 89 (stronger) | 2 |
| Funding & liquidity | 100 (stronger) | 74 |
| Problem-loan coverage | 98 (stronger) | 89 |
| Peer percentile | 95th | 20th |
| Total assets | $38.0M | $3.8M |
| Deposits / shares | $31.5M | $2.9M |
| Capital ratio | 14.92% | 23.66% (stronger) |
| Problem loans | 0.35% (stronger) | 2.02% |
| Net charge-offs | 3.15% | 0.02% (stronger) |
| Return on assets | 1.72% (stronger) | -0.44% |
| Loans ÷ deposits | 30.1% (stronger) | 86.6% |
| Uninsured deposits | 2.6% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Port Arthur Teachers Federal Credit Union has the higher TellerScore (94 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Port Arthur Teachers Federal Credit Union leads on 4 and Union Pacific Employees Credit Union on 3. 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.