Side-by-side · Q2 2026 data
Seminole Public Schools Federal Credit Union vs Wharton County Teachers Credit Union
Credit union
Seminole Public Schools Federal Credit Union
Seminole, Texas · Under $100 million in assets
Credit union
Wharton County Teachers Credit Union
Wharton, Texas · Under $100 million in assets
Metric by metric
| Measure | Seminole Public Schools Federal Credit Union | Wharton County Teachers Credit Union |
|---|---|---|
| TellerScore | 58 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 94 (stronger) |
| Earnings | 21 | 60 (stronger) |
| Funding & liquidity | 100 (stronger) | 98 |
| Problem-loan coverage | 87 | 99 (stronger) |
| Peer percentile | 19th | 89th |
| Total assets | $7.4M | $7.4M |
| Deposits / shares | $5.7M | $5.3M |
| Capital ratio | 22.26% | 28.35% (stronger) |
| Problem loans | 4.37% | 0.18% (stronger) |
| Net charge-offs | 0.17% (stronger) | 0.31% |
| Return on assets | 0.02% | 0.99% (stronger) |
| Loans ÷ deposits | 44.1% (stronger) | 62.1% |
| Uninsured deposits | 0.0% (stronger) | 5.8% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Wharton County Teachers Credit Union has the higher TellerScore (90 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Seminole Public Schools Federal Credit Union leads on 3 and Wharton County Teachers Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.