Side-by-side · Q2 2026 data
Smart Financial Credit Union vs Texell Credit Union
Metric by metric
| Measure | Smart Financial Credit Union | Texell Credit Union |
|---|---|---|
| TellerScore | 69 | 70 (stronger) |
| Capital cushion | 68 (stronger) | 55 |
| Loan quality | 61 | 80 (stronger) |
| Earnings | 68 | 73 (stronger) |
| Funding & liquidity | 77 (stronger) | 71 |
| Problem-loan coverage | 82 | 83 (stronger) |
| Peer percentile | 48th | 51st |
| Total assets | $807.5M | $801.0M |
| Deposits / shares | $700.6M | $700.0M |
| Capital ratio | 11.84% (stronger) | 10.48% |
| Problem loans | 1.16% | 0.60% (stronger) |
| Net charge-offs | 0.54% (stronger) | 0.99% |
| Return on assets | 1.20% | 1.31% (stronger) |
| Loans ÷ deposits | 83.7% (stronger) | 89.5% |
| Uninsured deposits | 2.8% (stronger) | 8.8% |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 41.1% | 26.6% |
Texell Credit Union has the higher TellerScore (70 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Smart Financial Credit Union leads on 4 and Texell Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.