Side-by-side · Q2 2026 data
South Texas Federal Credit Union vs Doches Credit Union
Credit union
South Texas Federal Credit Union
McALLEN, Texas · Under $100 million in assets
Metric by metric
| Measure | South Texas Federal Credit Union | Doches Credit Union |
|---|---|---|
| TellerScore | 47 | 74 (stronger) |
| Capital cushion | 36 | 85 (stronger) |
| Loan quality | 21 | 79 (stronger) |
| Earnings | 36 | 43 (stronger) |
| Funding & liquidity | 100 (stronger) | 72 |
| Problem-loan coverage | 85 | 92 (stronger) |
| Peer percentile | 7th | 49th |
| Total assets | $69.2M | $64.5M |
| Deposits / shares | $63.8M | $56.4M |
| Capital ratio | 8.57% | 13.54% (stronger) |
| Problem loans | 2.38% | 0.62% (stronger) |
| Net charge-offs | 1.07% | 0.20% (stronger) |
| Return on assets | 0.40% | 0.59% (stronger) |
| Loans ÷ deposits | 27.8% (stronger) | 88.5% |
| Uninsured deposits | 0.0% (stronger) | 1.7% |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Doches Credit Union has the higher TellerScore (74 vs 47). On the 7 directional measures above (where higher or lower is clearly better), South Texas Federal Credit Union leads on 2 and Doches Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.