Side-by-side · Q2 2026 data
S.T.E.C. Federal Credit Union vs Frio County Federal Credit Union
Metric by metric
| Measure | S.T.E.C. Federal Credit Union | Frio County Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 67 |
| Capital cushion | 100 | 100 |
| Loan quality | 85 (stronger) | 79 |
| Earnings | 39 (stronger) | 0 |
| Funding & liquidity | 67 (stronger) | 50 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 62nd | 34th |
| Total assets | $5.5M | $5.3M |
| Deposits / shares | $3.8M | $3.3M |
| Capital ratio | 30.91% | 37.35% (stronger) |
| Problem loans | 0.44% (stronger) | 0.63% |
| Net charge-offs | 0.09% (stronger) | 3.19% |
| Return on assets | 0.48% (stronger) | -1.42% |
| Loans ÷ deposits | 93.6% (stronger) | 126.0% |
| Uninsured deposits | 6.2% | 0.0% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
S.T.E.C. Federal Credit Union has the higher TellerScore (79 vs 67). On the 7 directional measures above (where higher or lower is clearly better), S.T.E.C. Federal Credit Union leads on 5 and Frio County Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.