Side-by-side · Q2 2026 data
Port Arthur Teachers Federal Credit Union vs Wellspring Federal Credit Union
Credit union
Port Arthur Teachers Federal Credit Union
Port Arthur, Texas · Under $100 million in assets
Credit union
Wellspring Federal Credit Union
Bridge City, Texas · Under $100 million in assets
Metric by metric
| Measure | Port Arthur Teachers Federal Credit Union | Wellspring Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 61 |
| Capital cushion | 99 (stronger) | 39 |
| Loan quality | 88 (stronger) | 76 |
| Earnings | 89 (stronger) | 48 |
| Funding & liquidity | 100 (stronger) | 79 |
| Problem-loan coverage | 98 (stronger) | 88 |
| Peer percentile | 95th | 23rd |
| Total assets | $38.0M | $91.8M |
| Deposits / shares | $31.5M | $82.3M |
| Capital ratio | 14.92% (stronger) | 8.89% |
| Problem loans | 0.35% (stronger) | 0.71% |
| Net charge-offs | 3.15% | 1.33% (stronger) |
| Return on assets | 1.72% (stronger) | 0.71% |
| Loans ÷ deposits | 30.1% (stronger) | 81.0% |
| Uninsured deposits | 2.6% (stronger) | 3.4% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Port Arthur Teachers Federal Credit Union has the higher TellerScore (94 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Port Arthur Teachers Federal Credit Union leads on 6 and Wellspring Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.