Side-by-side · Q2 2026 data
River City Federal Credit Union vs Mtcu Credit Union
Credit union
River City Federal Credit Union
San Antonio, Texas · $100 million – $1 billion
Metric by metric
| Measure | River City Federal Credit Union | Mtcu Credit Union |
|---|---|---|
| TellerScore | 44 | 69 (stronger) |
| Capital cushion | 62 | 75 (stronger) |
| Loan quality | 33 | 73 (stronger) |
| Earnings | 0 | 27 (stronger) |
| Funding & liquidity | 69 | 88 (stronger) |
| Problem-loan coverage | 67 | 92 (stronger) |
| Peer percentile | 2nd | 48th |
| Total assets | $147.8M | $137.3M |
| Deposits / shares | $124.6M | $121.1M |
| Capital ratio | 11.17% | 12.47% (stronger) |
| Problem loans | 2.00% | 0.80% (stronger) |
| Net charge-offs | 1.86% | 0.48% (stronger) |
| Return on assets | -1.51% | 0.18% (stronger) |
| Loans ÷ deposits | 91.4% | 72.3% (stronger) |
| Uninsured deposits | 9.6% | 0.2% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Mtcu Credit Union has the higher TellerScore (69 vs 44). On the 7 directional measures above (where higher or lower is clearly better), River City Federal Credit Union leads on 0 and Mtcu Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.