Side-by-side · Q2 2026 data
Refugio County Federal Credit Union vs Central Texas Teachers Credit Union
Credit union
Refugio County Federal Credit Union
Refugio, Texas · Under $100 million in assets
Credit union
Central Texas Teachers Credit Union
Corsicana, Texas · Under $100 million in assets
Metric by metric
| Measure | Refugio County Federal Credit Union | Central Texas Teachers Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 77 |
| Capital cushion | 100 | 100 |
| Loan quality | 86 | 100 (stronger) |
| Earnings | 53 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 78 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 83rd | 57th |
| Total assets | $14.2M | $13.7M |
| Deposits / shares | $11.9M | $11.5M |
| Capital ratio | 16.36% (stronger) | 15.91% |
| Problem loans | 0.42% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.50% |
| Return on assets | 0.81% (stronger) | -0.50% |
| Loans ÷ deposits | 41.0% (stronger) | 82.2% |
| Uninsured deposits | 0.0% (stronger) | 1.2% |
| Offices | 1 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Refugio County Federal Credit Union has the higher TellerScore (87 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Refugio County Federal Credit Union leads on 6 and Central Texas Teachers Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.