Side-by-side · Q2 2026 data
S.T.E.C. Federal Credit Union vs Pampa Municipal Credit Union
Metric by metric
| Measure | S.T.E.C. Federal Credit Union | Pampa Municipal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 68 |
| Capital cushion | 100 (stronger) | 91 |
| Loan quality | 85 (stronger) | 46 |
| Earnings | 39 | 55 (stronger) |
| Funding & liquidity | 67 | 69 (stronger) |
| Problem-loan coverage | 98 (stronger) | 83 |
| Peer percentile | 62nd | 36th |
| Total assets | $5.5M | $5.4M |
| Deposits / shares | $3.8M | $4.6M |
| Capital ratio | 30.91% (stronger) | 14.08% |
| Problem loans | 0.44% (stronger) | 1.63% |
| Net charge-offs | 0.09% | -0.02% (stronger) |
| Return on assets | 0.48% | 0.88% (stronger) |
| Loans ÷ deposits | 93.6% | 90.9% (stronger) |
| Uninsured deposits | 6.2% | 0.0% (stronger) |
| Offices | 1 | 1 |
| 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 68). On the 7 directional measures above (where higher or lower is clearly better), S.T.E.C. Federal Credit Union leads on 3 and Pampa Municipal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.