Side-by-side · Q2 2026 data
Raiz Federal Credit Union vs Brazos Valley Schools Credit Union
Metric by metric
| Measure | Raiz Federal Credit Union | Brazos Valley Schools Credit Union |
|---|---|---|
| TellerScore | 62 | 68 (stronger) |
| Capital cushion | 52 | 56 (stronger) |
| Loan quality | 68 (stronger) | 56 |
| Earnings | 62 | 64 (stronger) |
| Funding & liquidity | 59 | 100 (stronger) |
| Problem-loan coverage | 81 | 89 (stronger) |
| Peer percentile | 30th | 50th |
| Total assets | $1.1B | $1.0B |
| Deposits / shares | $850.4M | $928.9M |
| Capital ratio | 10.21% | 10.63% (stronger) |
| Problem loans | 0.95% (stronger) | 1.32% |
| Net charge-offs | 1.12% | 1.04% (stronger) |
| Return on assets | 1.05% | 1.10% (stronger) |
| Loans ÷ deposits | 101.0% | 46.6% (stronger) |
| Uninsured deposits | 8.5% | 3.8% (stronger) |
| Offices | 4 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.2% | — |
Brazos Valley Schools Credit Union has the higher TellerScore (68 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Raiz Federal Credit Union leads on 1 and Brazos Valley Schools Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.