Side-by-side · Q2 2026 data
River City Federal Credit Union vs Chocolate Bayou Community Federal Credit Union
Credit union
River City Federal Credit Union
San Antonio, Texas · $100 million – $1 billion
Credit union
Chocolate Bayou Community Federal Credit Union
Alvin, Texas · $100 million – $1 billion
Metric by metric
| Measure | River City Federal Credit Union | Chocolate Bayou Community Federal Credit Union |
|---|---|---|
| TellerScore | 44 | 77 (stronger) |
| Capital cushion | 62 | 79 (stronger) |
| Loan quality | 33 | 74 (stronger) |
| Earnings | 0 | 53 (stronger) |
| Funding & liquidity | 69 | 100 (stronger) |
| Problem-loan coverage | 67 | 94 (stronger) |
| Peer percentile | 2nd | 71st |
| Total assets | $147.8M | $158.1M |
| Deposits / shares | $124.6M | $136.7M |
| Capital ratio | 11.17% | 12.87% (stronger) |
| Problem loans | 2.00% | 0.77% (stronger) |
| Net charge-offs | 1.86% | 0.29% (stronger) |
| Return on assets | -1.51% | 0.82% (stronger) |
| Loans ÷ deposits | 91.4% | 57.0% (stronger) |
| Uninsured deposits | 9.6% | 6.2% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 54.4% |
Chocolate Bayou Community Federal Credit Union has the higher TellerScore (77 vs 44). On the 7 directional measures above (where higher or lower is clearly better), River City Federal Credit Union leads on 0 and Chocolate Bayou Community Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.