Side-by-side · Q2 2026 data
Sherwin Federal Credit Union vs Victoria City-County Employees Federal Credit Union
Credit union
Victoria City-County Employees Federal Credit Union
Victoria, Texas · Under $100 million in assets
Metric by metric
| Measure | Sherwin Federal Credit Union | Victoria City-County Employees Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 80 (stronger) |
| Capital cushion | 100 (stronger) | 97 |
| Loan quality | 100 (stronger) | 98 |
| Earnings | 0 | 9 (stronger) |
| Funding & liquidity | 75 | 95 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 54th | 65th |
| Total assets | $6.6M | $7.0M |
| Deposits / shares | $4.3M | $5.9M |
| Capital ratio | 34.44% (stronger) | 14.74% |
| Problem loans | 0.00% (stronger) | 0.06% |
| Net charge-offs | 0.27% | -0.04% (stronger) |
| Return on assets | -1.68% | -0.27% (stronger) |
| Loans ÷ deposits | 85.6% | 65.0% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 0.5% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Victoria City-County Employees Federal Credit Union has the higher TellerScore (80 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Sherwin Federal Credit Union leads on 3 and Victoria City-County Employees Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.