Side-by-side · Q2 2026 data
Refugio County Federal Credit Union vs Cen Tex Manufacturing Credit Union
Credit union
Refugio County Federal Credit Union
Refugio, Texas · Under $100 million in assets
Credit union
Cen Tex Manufacturing Credit Union
Brownwood, Texas · Under $100 million in assets
Metric by metric
| Measure | Refugio County Federal Credit Union | Cen Tex Manufacturing Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 69 |
| Capital cushion | 100 | 100 |
| Loan quality | 86 (stronger) | 27 |
| Earnings | 53 | 55 (stronger) |
| Funding & liquidity | 100 (stronger) | 84 |
| Problem-loan coverage | 98 (stronger) | 89 |
| Peer percentile | 83rd | 38th |
| Total assets | $14.2M | $15.0M |
| Deposits / shares | $11.9M | $11.5M |
| Capital ratio | 16.36% | 22.37% (stronger) |
| Problem loans | 0.42% (stronger) | 2.20% |
| Net charge-offs | 0.00% (stronger) | 0.61% |
| Return on assets | 0.81% | 0.86% (stronger) |
| Loans ÷ deposits | 41.0% (stronger) | 75.9% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Refugio County Federal Credit Union has the higher TellerScore (87 vs 69). On the 6 directional measures above (where higher or lower is clearly better), Refugio County Federal Credit Union leads on 4 and Cen Tex Manufacturing Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.