Side-by-side · Q2 2026 data
Refugio County Federal Credit Union vs Laredo Fire Department Federal Credit Union
Credit union
Refugio County Federal Credit Union
Refugio, Texas · Under $100 million in assets
Credit union
Laredo Fire Department Federal Credit Union
Laredo, Texas · Under $100 million in assets
Metric by metric
| Measure | Refugio County Federal Credit Union | Laredo Fire Department Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 55 |
| Capital cushion | 100 (stronger) | 75 |
| Loan quality | 86 (stronger) | 42 |
| Earnings | 53 (stronger) | 22 |
| Funding & liquidity | 100 (stronger) | 65 |
| Problem-loan coverage | 98 (stronger) | 77 |
| Peer percentile | 83rd | 15th |
| Total assets | $14.2M | $14.7M |
| Deposits / shares | $11.9M | $12.8M |
| Capital ratio | 16.36% (stronger) | 12.50% |
| Problem loans | 0.42% (stronger) | 1.74% |
| Net charge-offs | 0.00% (stronger) | 0.20% |
| Return on assets | 0.81% (stronger) | 0.05% |
| Loans ÷ deposits | 41.0% (stronger) | 95.1% |
| Uninsured deposits | 0.0% (stronger) | 9.7% |
| 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 55). On the 7 directional measures above (where higher or lower is clearly better), Refugio County Federal Credit Union leads on 7 and Laredo Fire Department Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.